Allied Interstate and "The Credit Index"?
Date: Mon, 02/25/2008 - 18:41
You have been notified of this delinquency several times by our client ******* and this collection agency. Your failure to pay this delinquent account means you still owe ******** $129.41. Your failure to respond to prior communications concerning this debt has resulted in our client listing your name with The Credit Index. Details of this delinquency will be availbe to other subscribers using this service for up to five years.
Prevent the reporting of your delinquent account by respond promptly to this letter.
You can resolve this matter by sending payment in full to ***** Make your check out for $129.41 payable to ****** and mail it in the envelope provided. For your convenience you may pay your bill online at (OC's website)
If payment has already been made please disregard this notice.
Ok, here is my question, what the heck is "The Credit Index, I'm assuming it's some type of consumer reporting agency, they are certainly not referring to any of the credit reporting bureaus as it is only a 5 year reporting period (as opposed to 7 years) does anyone have any knowledge of this agency? Lastly, could this be a third party disclosure?
hiya JC-- This is actually legal. It is only legal because o
hiya JC--
This is actually legal. It is only legal because of how this letter is worded...it says "the client has placed you on The Credit Index". This to me shows a first-party action and therefore not subject to the fdcpa.
I did some checking and The Credit Index is out of New Jersey. It is a database firm that collects debt information, primarily on catalog companies, but I guess this book club uses them too. The data is available to any subscribers to review, so they can determine if you would be a good credit risk for them to solicit or not.
Everything about that letter indicates to me that this debt is still owned by the original creditor--you need to verify this because that is the whole deal. If it is not owned by the OC still then this becomes a third-party action and if that is the case, then it violates the FDCPA at least three ways.
:lol: My sister in law better watch out, her failure to resolv
:lol:
My sister in law better watch out, her failure to resolve this account may lead to less solicitations. OH wait, wouldn't that be a good thing?
:lol:
