I asked for validation, and the collector sent me someone else' name and social security number.

by Jay
(US)

I have written the collection agency to dispute a debt I do not owe. I asked them for validation. What I received was a name that is not mine along with a social security number that is also not mine. How should I respond?

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Sep 03, 2012
I asked for validation, and the collector sent me someone else' name and social security number.
by: Debtcollectionanswers.com

If you are sure that the debt is not yours, write the collection agency a letter stating that fact and telling it that you do not want to be contacted about the debt again. Make a copy of the letter for your files and send the letter certified mail with a return receipt requested.

Once the collection agency receives your letter it is legally obligated under the federal Fair Debt Collection Practices Act to cease contacting you other than to confirm that it received your letter and won't be in touch anymore or to notify you of any additional actions it will take to try to collect -- sue you for example -- if it believes that the debt is yours.

If you are sued, I recommend that you schedule a free consultation with a consumer law attorney right away.

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