The reports go back to 2012. read CWG40's post.
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.
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
Has anyone ever really had a legitmite debt with one of these places? I have had on line loans in the past, but have always kept very good records of them and who they were orginally with and made sure they were paid off. Don't they have to provide something in writing if this is a debt that is still owed even if they "bought" the debt from someone else??
My 86 year old mother has been getting calls for the last 2 weeks. She has tried to tell them not to call but they keep calling--at least 10 times. They are looking for someone about an investigation.
I keep getting calls from this number. I usually do not; but when I do, I don't get anyone on the other line, no voice, recording or anything. So I just ignore the calls. Today, I finally listened to the message that they sent me. They told me, that they have made many attempts to call me, with no answer. They said that this is the last time they will call me, and now, it's time for them to take action.. These folks are crazy :)
received a # of calls from this # 614-475-3582 at first saying they are calling from daniel slane law office ,but today they say it was important for me to call and talk to Investigater Roberts ,so I called them and spoke to a Mr Holloway he ask questions about an address which I"ve never heard of ,called off my ss # to me and said I had a loan with cash central that I took out and didn't have any plans on paying back .never heard of them and I told him that ,he said that they could track my IP address to verify it I told him to go ahead ,and by the way I asked about Investigator Roberts and he said hang on and came back and told me there is not and investigator Roberts that works there,so I told him that I guess there are being deceitful,and he said if I decided to pay the debt off and I told him I"m not paying for anything I haven't done and he hung up on me !!!