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For the past five (5) years, I have been receiving debt collection notices from a South Florida university for $15,000+ for "Library Charges" that I have NEVER incurred. They have reported me to ALL major credit bureaus, which has destroyed my credit.
The school and their collection agencies REFUSE to provide any proof of debt (e.g. signature, itemized list, etc.) by the FDCPA. What remedies are available to me? Both parties have been unresponsive and I would like to sue to have my credit repaired.
I did NOT attend this university, but the adjoining college that shares the library. I surrendered my library card to a librarian upon graduation, which is school policy. I have spoken to school officials and their response has been VERY dismissive.