Collection Agency
Date: Wed, 06/03/2009 - 08:06
So my wife went to check her credit report in April and found a collection for $500. My wife calls the company they say it is a debt from 1999 for tires that she purchased. Wife never bought the tires. My wife thinks it might have been one of her sisters that has a reputation for doing this sort of thing *identity theft*. There is a link to challenge the claim on the transunion credit report site so we challenge it. Week later we recieved mail informing us that the claim remains, something to that affect, with no paperwork to back it up. Well I think Dave Ramsey says something about Fair Trade Credit Reporting Act and mailing them something saying they have 30 days to show me in writing proof that she owes the debt. Who is they the credit bureau i.e. Transunion or the company? It's been a month and the company still has not sent any paperwork showing a signature bill or anything what are they doing? Also has anyone written a letter verbatim, trying to put something very professional together.
:roll: :shock:
Thanks
:roll: :shock:
Thanks
First of all, if the debt is from 1999, the seven years and 180
First of all, if the debt is from 1999, the seven years and 180 days listing period has already expired and so it should not stay on your credit report. If the bureau does not remove it from your report you may file a complaint with the FTC.
