Dynamic Recovery Solutions Bullying, scaring, not informative, debt owed not mine Internet

GREAT INFORMATION! I'm signed up with Experian and there has been no movement on my credit reports since mid-2013... so how did DRS find out so much current information on me? I have no idea! I've never even had a Discover card and they told me that this debt went back to 1992 - so even if I did owe a credit card company the statue of limitations has long run out.

These people are just fraudelent jerks - I'm just scared because they have so much information on me without going through a credit reporting company.

It is highly likely your identity has been stolen.  Both to determine this and deal with it - you need to at the very least do the following.

1.  Pull your credit report and for every account opened in your name that is not yours, contact the merchant and ask for the original application for credit.  This may help you find whoever is doing this.

2.  If fraudulent accounts you do not recognize have been opened in your name then file a police report that your identity has been stolen - you will need this later to provide to creditors and collectors.

 3.  Contact the three credit bureaus and have a permanent freeze put on your account due to identity theft.  You'll have to go through the process of having it lifted every time you need to apply for credit but it will halt further attempts at identity theft.

 4.   Debt Recovery Solutions (DRS) picks up debt that is past the statute of limitations - really old debt.  They are one of the bottom feeder collection companies.  Write them a letter certified return receipt stating that they must provide you with proof the debt is yours and that it is not past the statute of limitations for your State and that until they do, they are to cease contacting you and if they make any attempt at placing this on your credit bureau via a default judgment you will sue them under the provisions of the FDCPA.  Do not ignore any court summons that you receive.  It is a favorite tactic of companies like this to attempt to obtain a default judgment against you assuming you will not show up in court.  Be prepared with statute of limitations law citations for your state and the fact they have provided no proof the debt is yours.  The whole IRS angle is bogus.  The IRS has zippo to do with credit card debt.   It is another favorite tactic of these bottom feeders to lie and threaten.  Dont fall for it.  Make sure you review the FDCPA and know your rights.

5.  If you are a victim of identity theft, once you have the police report, send it to DRS (also certified letter) as proof the debt is not yours and let them know if they pursue you, you will file a lawsuit against them.

6.  I would consider signing up for a service such as Debix, Lifelock, or Watchdog to help you manage the security of your identity going forward.   Also some of the credit bureaus like Equifax provide a service for monthly fee (about $15) that provides you with alerts if there are any changes to your credit.

Good luck, post back and let us know how it goes.