MCM collection letter for debt I dont have
Date: Sun, 05/21/2006 - 21:26
send MC a request for validation. At the same time, if you are c
send MC a request for validation. At the same time, if you are certain that the debt is invalid, file complaints with the FTC and your attorney general. You may also want to place n initial fraud alert on your credit files with the three credit bureaus. If you call one, they will automatically notify the other three. At this point your are entitled to a free copy of your credit report from each bureau. Request them and look them over carefully for any other accounts which could be fraudulent.
Quote:I am 100% certain this debt is invalid. I have no unpaid a
Quote:
I am 100% certain this debt is invalid. I have no unpaid accounts whatseover and I've never had an account with the creditor in question. |
Let them prove the debt is your. Since you are pretty sure that the debt is not yours, they would have a tough time to prove it.
You have mentioned they have sent the letter to a secondary address. How did they get the address? Did you co-sign any accounts with them? Or were you a victim of ID Theft in past?
I too am dealing with this company for an account that they stat
I too am dealing with this company for an account that they state I opened over 2 years ago. Never heard of them until they started calling me this year. It took them about a month or two before they reported it to the credit bureaus and now it's on my credit report. I sent them a debt validation letter and in that letter they have been given 30 days to provide me with proof of this debt. They only have two days to do this.
Hi truwoman31 Don't let MCM hurt your credit without legitima
Hi truwoman31
Don't let MCM hurt your credit without legitimate reasons. If they have a genuine reason to report to the credit bureau, they must be able to validate the debt also. If you don't get the exact details of the debt in writing, MCM has hit your file fraudulently.
In that case, report the credit bureau about your actions taken to know the details from MCM. Also, dispute the item so that they run an investigation with them and get the accurate details. If they don't get anything, the item must be removed from your file and you will get a fresh copy of your credit within 30 days after the item has been removed.
I just called MCM a few times to straigten this out.(today even
I just called MCM a few times to straigten this out.(today even to get the address to dispute it) They pass the phone around ,they can not verify a debt . When I tell them who had the account originally and that my bill for a credit card was paid, settled, verified and closed. They donot not know what to say. The guy was nervous and just says call back tomorow I will give you a number to call. Hmm it is Sunday if you cant give me number now why tomorrow. They act like we are ignorant fools who can not investgate or seek knowledge to help our selves. It is funny when I have a
bank statement
Valdation code
Payment validation letter
right in front of me and they realized they are caught when I start talking. I requested a debt validation letter from them He said ok we will. Funny how can you prove that I owe this when it was paid already? and ow di they get my adres. When I mde thi pyment I lved 2 hours away in nother town n ne has this adres. I just moved here lasyt August. Do hese companies hck into credit report agencies to ge peoples addreses and past debt I onder. He askd when it was paid I told him the exact date, through LVNV with Resurgent. I also have all this proof and it was reported to the FTC and the 3 Credit agencies. What fools they are. I am beginning to think it is a made up a fake company of thugs that hire other losers and thugs to harrase people into paying money they do not owe. It's scary
They keep hounding me about a debt that I settled in 2002, it is
They keep hounding me about a debt that I settled in 2002, it is now 7 years old and the debt has been bought by 3 other companies. I am so sick of them. I sent them proof and they cease/desisted for a month and now they are back. I am sick of them, do you have any names to send another letter to?
Just got a letter today from them claiming I owe money somewhere
Just got a letter today from them claiming I owe money somewhere. I'm glad you folks have posted something about this situation. The 'heads-up' is greatly appreciated -
Thank You!
:pI ALSO STARTING RECEIVING PHONE CALLS FOR A DEPT THAT I NEVER
:pI ALSO STARTING RECEIVING PHONE CALLS FOR A DEPT THAT I NEVER HEARD OF. AFTER RECEIVING A STATEMENT FROM THEM I WAITED ON ANOTHER CALL. THE SOCIAL SECURITY NUMBER THEY WERE COLLECTING ON WAS NOT MY SOCIAL!!! I TOLD THEM I WAS CONTACTING MY LAWYER IF THEY DID NOT LEAVE ME ALONE.
I also just received a letter from mcm, what should I do? email
I also just received a letter from mcm, what should I do?
email address removed.