On 09/13/2012 I received a letter from a collection agency claiming to collect on the behalf of AT&T wireless for an account that went to collections over 2 years ago. Within a week of receiving the letter I mailed the company a validation of debt letter via certified mail/ return receipt. It has been over 30 days and the company has not provided me with anything to confirm the validity of the account. Per the Fair Credit Reporting Act, companies must comply or delete the impormation from my credit file. I disputed the account since it is only being reported by Equifax and not TransUnion and Experian. Equifax gave me the results of the investigation claiming the debt is mine and it was verified to be me. I demanded proof from the company reporting and Equifax and neither one will
provide me with a cell phone statement from AT&T (original creditor) with my name and address on it or anything linking me this account. I am very frustrated and dont know what else to do. Any information on the matter would be helpful.
Keep a file. If they file suit against you then it may prove to be useful.
This answer does not create an attorney client relationship between you and I. I am not your attorney unless we both sign a written contract that describes our relationship and terms of the representation. Any information provided to you here is not a substitute for the advice you need to pursue any legal matter. I advise you to retain the services of a local attorney before taking any legal action in this matter.
Debt Collection Attorney
If the account is not yours then you have FCRA claims against Equifax and the furnisher of the information (the collection agency). You should contact a consumer attorney in your area to bring a FCRA claim to clear your credit. If you have trouble locating an attorney check on naca.net. Good Luck.
The answer given is for informational purposes only and does not constitute legal advice. Dwight Bowen is a bankruptcy and consumer attorney and may be contacted at (404) 880-3310.
It sounds as though you may have a cause of action for a violation of the Fair Credit Reporting Act (FCRA). You should continue to maintain good notes and consult with a local FCRA attorney for guidance and direction.
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