Ok I have RJM on my credit report for a few items that undoubtedly not mine, the address and ss number they quoted me over the phone for verification were Sooooooooo wrong. So I'm about to send my first wave of letters to them about the accounts asking for validation. However on a few of the accounts, there is no complete account number. So my question is... how do i go about obtaining my account number with them so i can send the letter properly?

I ask because in the template given for the validation letters, there is a space for the account number, but my report only shows the last four of the account number. I have already contacted them and of course they will not give me any information, and have ever hung up on my several times,lol.

So what should my next step be to get the full account numbers of these accounts and ge the letters sent of certified mail?

Thank you in advance

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They are supposed to send you a dunning letter with the instructions for dispute and info on the original creditor.

Just put whatever of the account number you have, and mention that you are not aware of said account at all so you do not know the account number of the alleged debt.

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__________________
FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.

there was a couple pf things On my credit report from 2002...I was 14 in 2002 and it was for some BMG music thing...well last month thats what was on my report and now I just checked it and I have an RJM thing on it for that same debt...and now its current for this year,,,what do I do how do I fix this...please help my husband and I want to buy a house but cant vause my poor 540 credit score...

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