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Debt collection office harrassing me over a debt that's not mine

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I never gave the collectors my SSN or birthday. I just gave them the numbers on my insurance card for bill processing and precription coverage, and a couple various numbers I found on papers my insurer had sent me in the mail about claims disputes, and the name of a regional rep. Presumably the collector on the phone happily went off to go get his big collection bonus from my insurance company, and then they gave him the official beatdown. I checked my credit and insurance coverage status for a few months after that, nothing bad came of anything.
 
The Kentucky Attorney General office has taken my e-mail to them and turned it into a formal complaint. Said that they would contact them and see if this can be resolved (dropped) with no more contact from them (please....!!!)
 
Originally posted by: brian_riendeau
I never gave the collectors my SSN or birthday. I just gave them the numbers on my insurance card for bill processing and precription coverage, and a couple various numbers I found on papers my insurer had sent me in the mail about claims disputes, and the name of a regional rep. Presumably the collector on the phone happily went off to go get his big collection bonus from my insurance company, and then they gave him the official beatdown. I checked my credit and insurance coverage status for a few months after that, nothing bad came of anything.
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biblical :laugh: :evil:
 
I had this happen a few years ago. Some ass with the same name (though different middle name) was passing bad checks in town, and I answered lots of calls from bill collectors. None of them were particularly nasty or persistant, and it eventually stopped. The ass also rented some videos in my name from Blockbuster and bnever returned them. That was fun to get straightened out also :| Haven't been to blockbuster since.
 
Originally posted by: labgeek
OOPS!! If you're going to throw out legal jargon, it should at least be the right one...

You might want to take a look at the differences between the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The firm is a debt collector not a creditor (well they could be if they bought the debt instead of act on behalf of someone else, but even if they did, they're still under the FDCPA... btw if the original creditor buys it back so are they) nor reporting agency, so you'll want the later.

Fair Credit Reporting Act:
The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the privacy of the information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law.
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Fair Debt Collection Practices Act:
The Fair Debt Collection Practices Act is federal law which regulates the activities of those who regularly collect debts from others. Many states have adopted similar laws regulating the practices of debt collectors.
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It sounds like both may be relevant if the debt collectors try to put new information into your credit report, though the FDCPA is more immediately relavent to the OP's situation since he didn't say anything about adverse info in his credit report.

To the OP - you should pull your credit reports ASAP, and again in 6 months.
 
Originally posted by: Engineer
The Kentucky Attorney General office has taken my e-mail to them and turned it into a formal complaint. Said that they would contact them and see if this can be resolved (dropped) with no more contact from them (please....!!!)
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Good to know.

In other news Louisville beat KY AGAIN
 
I dealt with something like this in the last year or so. I had sent some stuff I'd sold on fleaBay from a summer job via DHL (preferred carrier at work, blahblahblah). Some dolt in another office of the company (huge company) started sending packages billing it to my former office number. WTF is up with that? Naturally DHL decided send the collections guys to track down my personal info, since I was the last person in the office, and harrass me. I finally blew my top on the phone, falling just short of cursing the guy out. Never heard from them again.
 
Update: My wife just called and said that a senor manager called from the debt. collectors office. She was very apologetic and acted suprised at the treatment that I was given over the phone (per wife account). She had been contacted by the KY Attorney General office and was willing to do anything possible to not send anything to my home or call again. She left me a voicemail stating the same and said that the SS# and DOB were not matching mine (account is not mine as I said).

Seems to have been resolved on this one. We'll see.

I also sent a signed letter certified to them with FTC guidlines copied on the Debt collection act (linked earlier). Just in case.

🙂
 
this is a scam that's going on .. unscrupilous companies buy these lists.. and then try find someone on teh internet with similar name and harrass them for money to collect. Its become big business..

There was a huge article i read a few months back in Readers Digest.
 
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