Cach/CACV/Collect America/
Date: Mon, 12/13/2010 - 06:12
They are obviously a junk debt buyer. They bought a portfolio, that supposedly has my account included. Some other junk debt buyers are pursuing the same debt at the same time.
When I received the dunning letter, I replied with a debt validation, which they replied back with a false and fraudulent affidavit. It was so horrendous, that I did research on false affivadits, and they came up as being the cream of the crop of doing this.
I pulled my credit report, and they are all over it. For whatever reason they are reporting the same account multiple times, with different subscriber updates. They are reporting it as "disputed" (I have not disputed the claim or anything on my credit report)
They also changed my address on my credit report. I am not 100% sure it was them, but it seems to me they are the ones that are messing with my credit report at this time. When I notified Experian to change it back, they said that I did not identify myself properly, and would not change it. I am writing them another request.
My point is, I think these people are going to try to send some botched up certificate of service / summons to the wrong address in an attempt to garnish my bank accounts.
Thats how dirty I think they are.
I would like to know the experience people have with this horrible bottom feeder of the company. Out of all the creditors I;ve encountered, they are the WORST!
Thanks for your help.
You are correct that this company is notorious for their unscrup
You are correct that this company is notorious for their unscrupulous collection practices. If you do a search on this site, you will find several threads with complaints.
thanks, from what I can see, at least on this site, no one has c
thanks, from what I can see, at least on this site, no one has complained about them not serving them properly, but still, the whole address issue on my credit report, I think they are behind it.
I called Experian, and they confirmed that more than likely Cach
I called Experian, and they confirmed that more than likely Cach inadvertently changed my address, and they corrected it during the phone call! I looked at several court dockets in my area, and many defendents seem to be served properly.
I researched Affidavit rules in my state, and although they are allowed, there are a ton of requirements for an affidavit that is not deficient. all cach affidavit actually claimed that they obtained the information in the course of doing business, but in IL this only fits the hearsay exception IF, all these other requirements are met.