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How old is the debt?

I am pretty sure that it goes back to 2000....I bought a home in 2006 and it wasnt listed on any CRA

I am pretty sure that it goes back to 2000....I bought a home in 2006 and it wasnt listed on any CRA

I am pretty sure that it goes back to 2000....I bought a home in 2006 and it wasnt listed on any CRA

If it has already run the course of the 7 year reporting period then it needs to be removed. You can file a complaint with the FTC and your state Attorney General's office and you can also dispute it with the 3 credit reporting bureaus as well. If they will not comply with FCRA regulations then you can file suit for up to $1,000 per violation in addition to punitive damages per FCRA, even the 3 major credit reporting bureaus can be sued (they have been before and probably will be again)

Thank you for all the information...can you direct me as to where I need to write to or what number I can call???

The federal trade commission is www.ftc.gov
As for your state AG's office, what state do you live in?

I live in New Jersey

http://www.nj.gov/lps/ca/home.htm

I made the complaint with the attorney general's office and am sending a copy of the debt validation template you provided me with. How should I send them the letter?

USPS, certified mail, return receipt requested.

Thank you very much...I will let you know what happens with this.

hey , these jerks have been harrassing me for years on a account that was paid a long time ago. after several years you get a notice of money owed.i called them and had the proof of the paid account. then once again about 1 and 1/2 years later i check my credit report and bam, there it is $76.00 owed to pallisades collections for att wireless. it made my credit score go from fair to poor. im pissed, then i find a web site dedicated to exposing these scamsters. hey theuy hope you wont have your reciepts(and usually we dont when years have passed) and hope you will pay up. i my self will be getting a lawyer on these scum bags and you should too.

I have a dept to pay but not sure where to call or contact. Would someone be able to help me this done with. My dept is with Att. I need to get this paid and out of my credit report. If you have any information for me it will be greatly appreciated. Thanks

Welcome to the forum Mr. Detes, Mr. A.
Mr. Detes, you should send them a debt validation letter along with proof that you had paid the debt. You should also dispute the entries on your credit report as well, they cannot legally report invalid information per the Fair Credit Reporting Act. (under civil penalty of $1,000 per violation)

Mr. A., What collection agency has your account? If you can let me know I'll be more than happy to look up contact information for you for that agency.

FOR THE PAST 4 DAYS I HAVE BEEN RECEIVING HARASSING PHONE CALLS FROM 1-800-684-8429.
TODAY 1-800-414-8319 STARTED CALLING.
THESE PEOPLE ARE A GREAT PAIN IN THE A_ _ !

I HAD A CREDIT CARD...I QUIT PAYING IT BECAUSE THE INTEREST RATE ALMOST TRIPLED AND I TOLD THEM I AM ON
A LOW MONTHLY INCOME AND COULD NOT AFFORD TO PAY IT.
I AM ON SSI DISABILITY.
YOU WILL NEVER GET A CREDIT CARD PAID OFF DEALING WITH RIP OFF COMPANIES. CHASE, CAPITAL ONE AND HSBC

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