This company has called me numerous times, The lady told me she works for a debt colection agency and that she was calling about a debt I owed, I told her I do not have any debts and she ask me if the last 4 of my social was XXXX I told her no, she asked me if I live at such and such an address I told her no, I am tired of getting these calls, I live in a state clear across the country from this State and to take me off their phone list that I have asked them to do this before and I am ready to turn them in and I do not owe them or anyone else and I am tired of being harrassed by them, she stated she would tell her supervisor, I want them to stop calling me and I am on the do not call list. I am sick of them The phone number they called me from was 3102230073.
There connected to a search engine:416-628-1916. Other numbers for the SCUM 416-628-1916, 877-503-0574, 410-881-5363, 301-223-0073. If you repeatedly fax there numbersd you SHUT THEM DOWN. If OUR GOVERNMENTCan't help. I'll jelp GLOCK BLOW THERE HEADS OFF
I am tired of them calling. You can do several things..just not answer your phone is one. I am finding more and more debt collectors harrassing people. When I get a call from them I request they send me a letter to identify the actual debt. Once you recieve the letter you need to send them a letter asking them to validate the debt. 99% of the time they cannot validate the debt. At that time they must stop calling you and remove their information from your credit report. If they do not do this you have the right to sue them up to 3 times the amount they are asking for. Here is a sample letter you can use to send them. Feel free to cut and paste!
Date
Your Name
Your Address
City, State Zip
Collection Agency
Collection Agency Address
City, State Zip
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
I am sending this letter to you in response to a notice I received from you on (date of letter). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
•What the money you say I owe is for;
•Explain and show me how you calculated what you say I owe;
•Provide me with copies of any papers that show I agreed to pay what you say I owe;
•Provide a verification or copy of any judgment if applicable;
•Identify the original creditor;
•Prove the Statute of Limitations has not expired on this account;
•Show me that you are licensed to collect in my state; and
•Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau’s (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
•Violation of the Fair Credit Reporting Act
•Violation of the Fair Debt Collection Practices Act
•Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.