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CollectionAgencies & card companies gave my info without my permission

Date: Wed, 04/29/2009 - 17:18

Submitted by anonymous
on Wed, 04/29/2009 - 17:18

Posts: 202330 Credits: [Donate]

Total Replies: 3


On various occasions, credit card companies and collection agencies have called my previous home & spoke to my ex boyfriend about my debt and what I owe. My ex-boyfriend told them he was my husband which is clearly not the truth. I know on any form that asked my marital status I answered single! I dont think that is right for them to call & just give anyone my information like that. Is there anything I can do about this?


I work for a credit card company doing collections. Some collectors are not educated that your spouse/partner or ex of both is stil not supposed to get any information about your debt. There may be one way to get it though any statements laying around could tip the partner/ex off and give enough info to a collector to gain access to minor info(not past due or status of account) not all collector do their jobs legally or attempt to do so...money is out there above the fines right now if a bad collector can get the money then they will. I wish you well and I'm a ethical collector (or what I best believe to be ethical and I know what its like to have colector after you)


lrhall41

Submitted by on Wed, 04/29/2009 - 21:25

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Hi piglet,

Well that's a tricky one. I can't consider it the CAs fault since the ex is misrepresenting himself. According to the FDCPA, a spouse is not considered 3rd party [15 USC 1692c(d)].

I have searched for quite awhile now but haven't been able to find a criminal statute that I can reference, so I suggest you go to the police station and inquire into the misrepresentation of the ex. I am certain that you can press charges. His action was inexcusable and he should be held accountable in a court of law.


lrhall41

Submitted by Chrys Henderson on Thu, 04/30/2009 - 02:06

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It used to happen when I was in collections all the time...people lied that they were the spouse because they were concerned or just plain nosey. No liablity on the CA side. A credit app it a picture of your maritial status on that day. Plus the CA's dont get the application and non of the systems I worked on even had a field that status.


lrhall41

Submitted by SOAPLADY on Thu, 04/30/2009 - 04:10

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