Debt That Is Not Mine on Credit Reports

My wife had a collection account on her report and disputed it, it was deleted then they changed the account number and reported it again once again it was deleted now I got a letter in the mail from the collection agency and they are reporting it on my credit. It does not belong to either of us. I filed a complaint with FTC and Attorney General but all they did was send a letter to the collection agency and the collection agency responded back saying sorry we changed our numbers we use to file with the credit bureaus that's why it was deleted and found the new numbers wouldn't work so went back to our old numbering system. They did not offer any explanation as to why they are reporting on me.

Reply from

It sounds like you've already taken the initial steps we would suggest to someone in your situation.

So now we would really encourage you to talk with a consumer law attorney. The collector may be violating two federal laws - the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. If that's the case, then the attorney will likely take your case at no charge to you since the collector would have to pay the attorney's fees.

You can get a free consultation with a consumer law attorney to find out what they think of the situation.

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