All negative reporting is wrong...I just got a call from a company saying this company has a report on my credit report!!! It is fraudulent, and by the time line of what i was told....is past State of limitation violations...i owe nothing to this 'so-called' company and the company which called me tonite with this number 816-949-8504 violated all Fair Debt Laws...asking if i were Me, then not even asking to verify anything for proof..went on to tell me i owed Metris Direct andt it had been contracted to collect this false debt..the jerk and i got into a heated argument...and he was shouting at me...i used profanity several times to get him to hang up...after research i called them back...and was told the company will call me several times daily if they want to and threatened me...i have a witness who was here listening to the conversations... i want to file a suit against this outfit and am about read to ... i just am looking for the proper name to serve them thru our Secretary of State's Office...this company and its representatives...can pay me for Fair Debt violations, harrasment and exploitation...after all each offense is $1,000 to $500,000 and there are several beginning with false credit reporting and severe harassment by telephone