Wrong SS# on collection account
I live in RI. I requested a copy of my yearly credit report and their were two accounts on their that I did not recognize that were in collections. I contacted them requesting a copy of the note with my signature and SS# they had on file. T
hey sent me a formal debt validation letter that stated my name but the SS# was completely wrong. When I contacted them about this they quickly sold my account to another debt collector and they somehow got my SS# on their file NOW!
I've disputed this with them and the 3 credit reporting agencies to no avail. It's only about $1700.00 total for the two but if I decide to pay it then I'm admitting its mine but if I don't pay it is the only blemish on my report! What options do I have?
Reply from DebtCollectionAnswers.com:
First of all, you are right not to pay these debts that don't belong to you. Paying them will not help your credit reports or scores, and will make it appear as though you are responsible for this person's debts. Who knows what else they owe!
It sounds like you have done the right things so far in terms of disputing these debts. The next step is for you to get a free consultation with a consumer law attorney. These collection agencies may be breaking the law by continuing to report information about the wrong person.
You can also file a complaint with the Consumer Financial Protection Bureau (ConsumerFinance.gov), FTC (FTC.gov) and your state attorney general. But understand they won't help you get the wrong information off your credit files. That's why we suggest you talk with a consumer law attorney as soon as possible.
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