this # claiming to be American Credit Adjusters called my house 7 times today and also called my 81 yr old father looking for me. They said it was a serious matter regarding my personal information. They said that I or my attorney needed to call them back today. If this was truly legit, they wouldn't call 7 times.
They also wouldn't have called your father if they already had your number. it isn't tracing if they have the correct information. Further, if they called you then first contact was made and they were require by law to do this:
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
So what you must do is this:
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.
Please note that both you and your father have the beginnings of an FDCPA lawsuit which will get both of you some nice cash for the harassment.
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
No one calls people regarding their personal information. These types of issues are done by mail. When someone calls from Georgia and the caller ID shows a Pennsylvania area code, it is called Caller ID spoofing. The Caller ID shows one place and the caller is calling from somewhere else, usually overseas. I reported this number to the Consumer Financial Protection Bureau and it came back a scam. These people are not registered to do business in te US or in PA. Don't give them any information.