If I have been contacted by a debt collections company regarding debt that is not mine, what can I do?
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If I have been contacted by a debt collections company regarding debt that is not mine, what can I do?
It is for a cell phone account. The address is one I have never lived at; the phone number is for an area code I have never lived in; I have never used this provider I did check my credit report. The provider did access my information 8 months ago, at the time this account was opened. The person I spoke with also said I need to get this taken care of because “we do report and this would come back to bite me”. Could this could possibly be a threat under the FDCPA?
Asked on January 17, 2012 under Bankruptcy Law, Pennsylvania
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
You need to be careful about giving any personal information regarding yourself to the oerson who is calling you about this account that you supposedly owe money on. There are many scams out there to prey upon people like you.
The conversations that you have had with the debt collection company's representative does not sound like a violation under federal and state law regarding unfair debt collection practices.
I suggest that you get a credit report statement regarding yourself to actually see if the claimed account is cross referenced with your name. I suggest that you try and get as much information about the person and the company he or she is calling for.
As far as responding to the caller's inquiries, I suggest you ask the person calling you to send you a card copy letter setting forth the basis for the inquiry so that you can have your attorney look it over and call in response.
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