RJM, Need Help!!!!

It is a bit iffy. Chances are they have already reported it. Once you send them a debt validation letter they can't report it, since that would be considered continued collection practice, but nothing is to stop them from reporting it before they get a validation notice.

Check your reports to see if they are listed on there.

Do you recognize the account at all, who they say the original creditor was?

If you do recognize it, when was the last time you made a payment on the account? Also what state are you in so we can look up the SOL (statute of limitation) this governs if they can legally sue you. (They still may try even if past SOL, but you would have a valid defense to get it thrown out.

Send a DV letter either way, tailor the letter to fit your needs...if it is listed on your credit report, mention that, if you don't recognize the account, mention that and say you need this info asap in the case of identity theft. If you do recognize the account hen simply ask for proof they can legally collect upon the debt and what they are attempting to collect is correct and show that you have any obligation to pay.

From what the letter states it says account purchased was a wamu overdrawn bank account and the account was opened in April 2007 with a 914.00 balance. I just got an alert from truecredit.com stating that my experian report had changed when I checked the alert it is coming up major deragatory RJM Acqusitions, date reported was today which is very strange. Again I don't know what this account is that they are claiming.

I am in FLORIDA also I see when I do a search on the forum for RJM acqusistions comes up and there is an email address should I also send them a dv leter through email and also certified and fax? The dv letter I have is pretty standard

So you never had a bank account from Washington Mutual? Ok. Just send the DV certified mail return receipt, it is all you need. You might want to look into filing a police report on identity theft if you never had a wamu account, but make sure that it is definitely not your account.

I am not sure if you should file the report before or after you get validation, because many CAs can't come up with validation and will just try to ignore it....so perhaps you should file, then send a copy of the report to RJM and inform them it is not your account.