Collection Agency Questions

[Fefferkorn]

1) Is a collection agency allowed by law to report someone to the credit bureau without prior notification and warning that they will actually do so?

2) Does a collection agency have the ability to report someone to the credit bureau if they don't have the persons correct SSN (they have the correct name and DOB)?

Thank you.

[sprint]

I've seen it happen that a collection agency assumed that "sam schwartz" in brooklyn was the sam schwartz in queens - different person with a different social - but didnt report to credit - just sent letters..never got further

[jack12]

I have been getting calls for some time now from a collection agency, thinking that I'm someone else. They just don't stop calling...

[Fefferkorn]

Anyone out there with ACTUAL answers to the ACTUAL questions asked?

[Avid Reader]

I have been getting calls for some time now from a collection agency, thinking that I'm someone else. They just don't stop calling...

+1

[Fefferkorn]

+1

Meaning?

[jack12]

Meaning?

I assume that means that he has been getting calls from a collection agency as well

[Dan]

I assume that means that he has been getting calls from a collection agency as well

+1
(meaning, that's my assumption as well)

[Fefferkorn]

Dan, any knowledge to spear on the original questions?

[Avid Reader]

I assume that means that he has been getting calls from a collection agency as well

Yup, thinking I'm someone else.

[E]

Lets not be so lazy read this link this is the Federal Trade Commissions guide to consumer law regarding debt collection

[Yosel]

1) Is a collection agency allowed by law to report someone to the credit bureau without prior notification and warning that they will actually do so?

2) Does a collection agency have the ability to report someone to the credit bureau if they don't have the persons correct SSN (they have the correct name and DOB)?

Thank you.

The answer to both question are YES, my own experience

[Yosel]

I have been getting calls for some time now from a collection agency, thinking that I'm someone else. They just don't stop calling...

a case like you describe can be worth $1000.00 I've been dealing with a great attorney specializing in this area. (don't know if i am allowed to mention his name here)

[Afight4ever]

I heard something along the lines of mailing them a letter and they have 30 days to answer otherwise the claim is removed from your credit

[sprint]

mail a letter disputing the claim.  That will quiet them, although I'm not sure legally how long they have to be quiet for, they usually stay away for a while to permanent - as they have easier fish to fry...

[Yosel]

mail a letter disputing the claim.  That will quiet them, although I'm not sure legally how long they have to be quiet for, they usually stay away for a while to permanent - as they have easier fish to fry...

you don't want to quiet them down, keep them sending you letters, and sooner rather latter they will be in violation of the law, and a good attorney will get $1000 and then you may want to pay them.
i have been doing this for years, and it works

[sprint]

Thats true - have heard the stories from reputable chaveirim...but it depends on the company - theyre slowly learning to stay above (literally) the letter of the law...

[avadah]

I knew there would be a thread on this subject but I can't believe it's been quiet for 10 years!

E-z pass sent me a bill for 2 tolls in the mail along with 2 $50 administrative fees even though I had a transponder. I called up and they said removed the fees. I checked my ez pass statement and I see they didn't charge me for the toll. Now I'm getting letters from a collection agency about the toll and the fees. Of course ez pass nj is closed on the phone so there's nobody to talk to.
Any advice?