Collector Information Doesn't Match Creditors

Should I sent money to the Collector Agency if They don't provided correct Account Number? The account in Collector letter doesn't match for the numbers on My Credit Cards.

On written verification of the debt they still used wrong account, The creditor name seems to be OK.
And the amount of the $ its also different.

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May 18, 2011
Incorrect Account Information
by: DebtCollectionAnswers.com

You have encountered a very common problem with debt collectors. Often they do not have the information needed to fully verify the debt.

It sounds like you have two questions here. One is whether they are actually collecting on behalf of the creditor for which they say they are collecting, and the other is whether the amount they are collecting is correct.

You are right to be careful because there are some scam collection agencies that try to collect money by pretending to be a legitimate debt collector.

Does the name and address of the collection agency check out to be a legitimate collector? you may want to check our list of collection agencies to see if it is listed. If it is not listed, you'll have to do your own research. You can also check with your state's department of consumer affairs, or something similar, to find out whether collection agencies must be licensed to do business in your state. If they are, then this collection agency should be licensed and/or registered.

As to the issue of the amount they are trying to collect, in most states collection agencies can continue to charge interest, however that amount is regulated by state law. If you think the collector is inflating the debt, you may want to talk with a consumer law attorney.

You can talk with a consumer law attorney with experience in debt collection cases. Learn how to get low cost or FREE legal help with your debt collection problem here.

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