MONICA'S ANSWER

Hey if the credit collector was a 3rd party colletor and he made a threat to an exact time that the audit would be performed, then call him on it. Get legal council, under section 807-5 of the f.d.c.p.a. he cannot make a statement unless the action is intended at the time the statement was made. This is worth some money for sure.( from a certified collector).nail them on it..