I had to recently obtain a copy of my credit report, due to ID theft case that we're going through right now. I found out that a debt collector had purchased a debt back from 2008, it's for an old telephone bill. We had some bad things happen, you know how it goes from there laid off etc. Didn't get to pay it. On my credit report it states that AFNI bought that bill and calls the house harassing, sometimes up to 3 times a day. I filed a complaint with BBB and Ohio AG. Told them to stop the calls validate the bill through regular mail. They tried to send me a bill in a ZIP file through the BBB. Now checking my credit again I find out that Portfolio recovery and associates made a HARD inquiry on my report, for the same EXACT bill. Now both third party debt collectors are claiming it's from the same phone company. How can 2 debt collectors buy up the same bill? and is this really allowed? Portfolio already accessed my Credit file illegally. So I'm not happy with them. I don't understand how Portfolio can say they own the same phone bill, when AFNI is trying to say they own it, as well?
Debt Samaritan
Posts: 16498
Credits: 286449.36358849 Send message to SOAPLADY
Portfolio has probably been assigned the debt by AFNI which gives them permissable purpose to pull your credit report. Sounds like the debt was validated thru the BBB.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
Posts: 2
Credits: 172.15 Send message to Lisamb4169
I figured as much, my question is are the allowed to access the credit report without permission and are they allowed to call hubby's place of employment and harass him there, as he is not allowed to receive calls at work? I don't work with hubby, but they are looking for me at his place of employment stating that they are collecting a debt.
Debt Samaritan
Posts: 16498
Credits: 286449.36358849 Send message to SOAPLADY
They dont need your permission to pull your credit report...they have permissable purpose since you owe a debt,.
Your husband needs to simply tell them that he is not permitted to receive calls at work. Did they just call him to locate you?? That is hardly harassment.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
Posts: 2
Credits: 172.15 Send message to Lisamb4169
He's not allowed to receive phone calls at work. They told hubby they were collecting a debt, that's why I asked if that was allowed. I had assumed that this was a good place to ask for help, i guess i was wrong.
Debt Samaritan
Posts: 16498
Credits: 286449.36358849 Send message to SOAPLADY
What help are you looking for?? You owe a debt and had some misconceptions which I clarified. If the debt is valid, pay it and get on with your life.
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.
SOL for all states
http://www.debtconsolidationcare.com...imitation.html
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