We care for you.

samantha · Guest

Hello,
The above collection agency, or debt collector just called me to discuss an alleged debt for a health club membership in 1990. At the time I was 17 years old and was under the impression from the employee that I was redeeming a two week membership that I won.

When this agency sent me a letter a few months ago, I responded in writing explaining the situation. They then wrote me back stating that I needed to provide proof that I am claiming fraud. I do not have a copy of anything I signed 14 years ago and she refuses to provide me with supporting documentation. Also, on my answering machine she stated that my last name may now be "franklin" instead of my current last name. I asked her where she received that information, why she would say this about my last name because I was worried that this erroneous information may be a sign of identity theft. She refused to give me that information as well.

Advice is needed on how to handle an erroneous claim by this agency.
Thanks

simon · Customer Care Dept Joined: 11 Dec 2004 Posts: 99

Hi Samantha,

Welcome to debtconsolidationcare forum. First of all tell them the Statute of Limitations for collecting this debt has fuly expired and dont forget you need to do it in writing and mention clearly the SOL in your state, keep whatever legal documents you could get. Contact your local attorney general, mention that too, start working on it, let them know of your rights. FDCPA ensures & empowers consumers the right to debt validation& the collectors are bound to provide with documentation, else you can sue them . It is unlikely they will refrain from giving you any further information that keeps you worried for a possibly Identity theft, etc .

Simon

Feb	MAR	Apr
	08
2004	2005	2006