Mr. Ferry
Date: Tue, 03/23/2010 - 11:15
Portfolio Recovery Associates mailed me a collection bill for a SEARS account. Never had a SEARS account. Called SEARS, spoke with their fraud division. They do not have my SS number in their database. I called the Portfolio Recovery Associates toll free number to advise them they had the wrong guy. They were rude, insisted it was me but are sending forms to complete to dispute the debt. Why should I respond at all to these hyenas when I do not now nor have I ever had a SEARS accunt? What kind of scam are they up to?
Send them a debt validation letter. In it tell them that you ne
Send them a debt validation letter. In it tell them that you need all relevant data so that you can determine if identity theft is involved and take the proper actions. Inform them that you spoke with Sears and that they have no record of this so you wonder at the validity of their claims. Inform them that should this debt show up on your credit report and they can't properly validate it, you will be taking them to court.
Ignore the forms for dispute they are BS and are just fishing for more information. THEY need to prove it to you, not the other way around.
I would also get a copy of your credit report to make sure no se
I would also get a copy of your credit report to make sure no sears accounts are listed on it.
Quote:
Originally Posted by Anonymous Portfolio Recovery Associates mailed me a collection bill for a SEARS account. Never had a SEARS account. Called SEARS, spoke with their fraud division. They do not have my SS number in their database. I called the Portfolio Recovery Associates toll free number to advise them they had the wrong guy. They were rude, insisted it was me but are sending forms to complete to dispute the debt. Why should I respond at all to these hyenas when I do not now nor have I ever had a SEARS accunt? What kind of scam are they up to? |
