Creditor Misinformation given
Date: Tue, 03/21/2006 - 01:57
As of this last week I received a letter from a creditor stating that they are collecting on behalf of AT&T. Is this legal. Can misinformation given by that creditor then be used against a debtor
Hi Anthony-- first off, did you get anything in writing from AT&
Hi Anthony-- first off, did you get anything in writing from AT&T back in 03 stating that you had met all prior obligations?
You will need to send this collection agency a validation request letter, proving that they hold the rights to collect this debt and what they're saying the 'debt' is for. If they write back with validation, which they have 30 days to do so, then you can tell them the situation between you and AT&T, and provide copies of any proof that you may have. It also wouldn't hurt to send a letter to AT&T, explain the situation of what happened in 2003 between you and them, and see what they tell you. Send all letters concerning this matter, certified return receipt and make sure you save copies and receipt stubs, for future purposes. Hope this has helped. shirley
If you have written documents it will give you immense support a
If you have written documents it will give you immense support at this stage. Can you ask AT&T for some documents of the payment made?
Anyway, collection agencies should validate the debt first. DV 'em via CMRRR. Keep all the stubs safely as suggested by Shirley.
One more thing, when the account was paid in full, did they report it to credit bureaus? If your credit report shows it as paid, you can use it as an evidence. Keep us posted.
