I received my first call from Allied Interstate Yesterday. At first I thought that someone was trying to "Phish" me for my SSN and credit card information. The representative never stated who he worked for and said that the bill was for a Verizon account from 5 years ago. Since this is the first time I have ever heard of this debt existing I asked for the Rep to send me something in writing regarding the account and I promptly called Verizon.
Verizon ran my SSN, First Name, Last Name, Middle Initial, previous addresses and telephone numbers and informed me that although their billing systems go back 10 years and that all accounts that are sent to 3rd party collectors are still stored in their system. There was no record of any delinquent account in my name.
I called AI and spoke to a very polite representative who gave me all of the details that they had on the account which I have documented. If for any reason it becomes apparent that I do owe this debt and it has some how gone over looked and misplaced by Verizon's internal billing system, then I have ever intention on paying.
However, after googling AI I am completely shocked by the amount of claims against this company. I previously worked for a large "Creditors Rights" law firm and I am very familiar with the fdcpa.
Where I worked, any of the described behaviors that some of you have experienced would have resulted in the IMMEDIATE termination of the offending party. Also, as has been mentioned several times before in this thread, send certified cease & desist letters and /or disputes. Even legitimate collections agencies can make mistakes and I have personally witnessed cases where the firm I worked for had to pay the "collectee" $1,000 per call made or letter sent after receiving a cease & desist letter and in every case the calls were made or letters were sent, due to human error such as not properly flagging a file as "DO NOT CALL" or a call was placed because a collector did not properly review the file prior to initiating the call.
I am shocked that AI has continued to stay in business. I'll keep you posted on how things develop with my circumstances.
Also, in my experiences, Threatening & cursing is strictly prohibited by the FDCPA. A collector can not threaten to sue you unless they are actually in preparation of doing so. Record your conversations and notify the collector that you are doing so.
Good Luck, and if you owe it, try to pay it, but do not subject yourself to this kind of mistreatment in the process.