How can I stop junk debt buyers

Have you viewed your latest credit copy? Go, figure out this account if it's been reported in the proper way. If the file is shown as paid, you have a strong ground against the collectors for misrepresenting your account info. Read the FDCPA on False or misleading representations of debt accounts.

Back in the spring I had disputed the listing on my credit report because it showed as a collection account but didn't show that it was paid. My credit reports were corrected in March and now show the account as paid.
Additionally, when I fax the proof of payment in full to each of the collectors I include the fax cover sheets I used for each of the previous collectors so that they will know I have provided the same proof of payment to each collections agency.

Did you keep your records that it had been paid in full? If not can you call the company where you paid it at and see if they can send you a zero balance letter?

I have a letter from the company stating that the account was paid in full. I fax it to the collection companies but they are still selling my account to other companies.

If these companies keep violating your rights, you can file a complaint. And quite possibly even file a law suit.

It's considered be deceitful when a company knows the account has been paid, and the resells it to another company so there won't a loss.

On how many times has said debt been sold?

Regards
Mike

4 different companies have contacted me about this debt.

One company has contacted me twice about this debt.

Asking for validation is one thing that should be done all debts. If they don't have the necessary paper work to back up their debt collecting, then they probably don't own the debt. Also when sending out the debt validation letter, you can add a comment that derogatory comments that aren't true and placed on your creidt file, will be treated as harassment.

Someone is making a mistake somewhere. And to fix the problem, maybe someone needs to get sued. Especially is this debt is no longer valid.

Thank you. I have never ask for validation. I have always just provided proof of payment.

Here is an example:

[quote]Date: Friday, October 06, 2006

Re: Acct # 3325

Dear Collection Office:

This letter is being sent to you in response to a telephone call
placed to me on November 6, 2006. Be advised that this is not a refusal
to pay, but a notice sent pursuant to the Fair Debt Collection
Practices Act, 15 USC 1692g Sec. 809(b) that your claim is disputed
and validation is requested.

This is NOT a request for "verification" or proof of my mailing
address, but a request for VALIDATION made pursuant to the above named
Title and Section. I respectfully request that your offices provide me
with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

[x] What the money you say I owe is for;
[x] Explain and show me how you calculated what you say I owe;
[x] Provide me with copies of any papers that show I agreed to pay what you
say I owe;
[x] Provide a verification or copy of any judgment if applicable;
[x] Identify the original creditor;
[x] Prove the Statute of Limitations has not expired on this account
[x] Show me that you are licensed to collect in my state
[x] Provide me with your license numbers and Registered Agent

[x] Violation of the Fair Credit Reporting Act
[x] Violation of the Fair Debt Collection Practices Act
[x] Defamation of Character

Thank you. Hopefully that will stop them from selling the account.