BTO429 Posted March 24, 2012 Report Share Posted March 24, 2012 Allied Interstate has been trying to collect on an AT&T bill.They called and I talked to them. They say it is from 2004, that will not sue nor will they report it to my credit.This bill is from 2004, before we were married, wife is not sure she paid the bill but knows it was only around 300 bucks or so. She thinks she paid it but not sure.Any how it is time barred. But they lied to me, when I checked her CR they are reporting it as open and for 1449 dollars and they report the bill in their name and the reporting date is March 2012.I will C&D them and then I will file suit if they continue to report and try to collect. Link to comment Share on other sites More sharing options...
Coltfan1972 Posted March 24, 2012 Report Share Posted March 24, 2012 Allied Interstate and lying go together like Batman and Robin. Link to comment Share on other sites More sharing options...
RockDaddy Posted March 25, 2012 Report Share Posted March 25, 2012 Allied Interstate and lying go together like Batman and Robin.Like persecute and violate. Link to comment Share on other sites More sharing options...
usagi555 Posted March 25, 2012 Report Share Posted March 25, 2012 Like persecute and violate. I love those kinds of slip-ups. Sometimes I do feel like persecuting debt collectors. One of my favorites: Trespassers will be violated. I think the gunny should persecute and violate. Link to comment Share on other sites More sharing options...
BTO429 Posted March 25, 2012 Author Report Share Posted March 25, 2012 I am considering a suit.Just trying to decide what to sue for. And trying to figure out how much, is it worth it for a measly grand or should I try financial injury or something other that will cost them more.I have class to worry bout right now for one more week then I have a couple weeks off. Maybe then I will have time to sit down and write up a suit. Link to comment Share on other sites More sharing options...
1stStep Posted March 25, 2012 Report Share Posted March 25, 2012 Gunny - you've got a reaging violation if they are reporting it...and I know you can turn it into an FDCPA violation too! Last time I checked $2k>$1,449 - so I say sue away! Link to comment Share on other sites More sharing options...
RockDaddy Posted March 25, 2012 Report Share Posted March 25, 2012 (edited) I love those kinds of slip-ups. Sometimes I do feel like persecuting debt collectors. One of my favorites: Trespassers will be violated. I think the gunny should persecute and violate.Usagi555 - My use of persecute and violate was on purpose. See my thread here:http://www.creditinfocenter.com/forums/collections/312789-having-fun-ca-over-out-sol-debt-2.htmlIt has a letter that I sent out this week with these specific terms to a CA, purposely, with the hopes of goading violations over similar to what gunny is facing here. Edited March 25, 2012 by RockDaddy Link to comment Share on other sites More sharing options...
1stStep Posted March 25, 2012 Report Share Posted March 25, 2012 $1k for the FCRA violation for reaging the debt... and $1k for reporting an OOS debt - since credit reporting is collection activity. Link to comment Share on other sites More sharing options...
RockDaddy Posted March 25, 2012 Report Share Posted March 25, 2012 $1k for the FCRA violation for reaging the debt... and $1k for reporting an OOS debt - since credit reporting is collection activity.Thank you sir. I just saw this explained in the other similar thread.I saw the FDCPA, but didn't realize the reaging was also a FCRA violation.Much obliged. Link to comment Share on other sites More sharing options...
1stStep Posted March 25, 2012 Report Share Posted March 25, 2012 And if Mrs Gunny did pay the bill, now there's other things to pursue - fraud, etc. Link to comment Share on other sites More sharing options...
BV80 Posted March 25, 2012 Report Share Posted March 25, 2012 $1k for the FCRA violation for reaging the debt... and $1k for reporting an OOS debt - since credit reporting is collection activity.It would only be reaging if they changed the date of 1st delinquency. The "date reported" is not the same thing.However, if they're not reporting a date of 1st delinquency, the FCRA states they have to take measures to find out that date. Did they do so, and what information did they provide the CRAS?I would dispute the entry on my CR. I'm not sure if it would be a good idea to sue without giving them a chance to delete the entry. If they refuse to delete, and you can prove the account is too old to report, you've got them on FCRA and FDCPA violations. Link to comment Share on other sites More sharing options...
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