Does a CA have to have your SSN to check your CR

Creditors / CAs can sometimes gain access to your credit report with your name, address and date of birth. A ss# isn't always needed. Have you disputed this debt and/or sent a cease and desist?

I don't know if they have my DOB - it's never shown up in either of the documents they mailed me. Yes, I disputed the debt, sent a DV and a c&d, all by CCRR mail. They persist in calling my house everyday and leaving silent voice mails or just hanging up. I've logged more than a dozen calls since they received my c

&d. I've reported them to both the NJ and MI attorney generals. Now I've read on this forum that they have the legal right to contact me by phone one last time after the c&d, even though I specified that they not do that in my letter. This is very frustrating, as I can see nothing good coming from holding a conversation with them. They're snakes.

If you refuse to talk to them, they will keep calling as it appears that you are avoiding them. I would suggest that you call them, explain the situation and see if you can get thru to them that the debt is not yours.

You said you sent a debt validation and a c&d. They can't very well validate the debt (or not) if you have given them a c&d.

The timeline: I received a few hangups from AACC's number. A few days later, I received a dunning letter. I sent a debt validation request, which they returned 5 weeks later, not really validating anything; it included the same info as the dunning letter, but with the incorrect SSN added. No documents or proof of debt from the OC. That's when I sent the c&d, which was in a letter I sent them explaining that the debt and the SSN were not mine. Now they keep on calling.

Did you send the C&D certified? Do you have proof they received it? If so, I'd document the calls that continue to come in and sue them. If not, I'd send another C&D in the proper manner.

Yes, I sent the c&d certified and I have proof that they received it. I've been logging the calls, which are coming in at least once every weekday. I can't see a reason to answer the phone and speak to AACC; they've been told twice in writing that the debt isn't mine. I can only imagine that the purpose of their frequent calls is to harass me or try to bully me into paying a debt that doesn't belong to me. This has been going on for more than 90 days now. I guess I'll just sent another c&d - a simpler one this time. Certified, of course. I spoke to a lawyer's office and was told there would be a $300 to file suit against AACC, which I'd recover if they were found in violation of the FDCPA. I just hate to go through all that. I just want the friggin' calls to stop.

I'd sue. Find an attorney who works on contingency.

Even if I had to borrow the $300.00...I'd borrow it. It looks to me like you've got 'em hook, line & sinker.