Benefical, Household Finance, Aka HSBC Beneficial finance Fraudulently sold a debt that did not exist to debt collectors and collection agencies. After 13 years I filed a complaint with the attorney general of NH, which is where I live. Carol Stream, Illinois

In 1997 Household Finance fraudulently sold my name. Under the law they had to credit my account because I reported in writing that I did not received the home improvements that I was charged for. Household finance credited my account in 1991.  I did not recieve another bill from them. But then 5 years later they sold my "account"to other bad debts buyers who have been harrasing me through numerous collection agencies.

I have filed a complaint with the Attorney General in New Hampshire, which is where I live.

If you have a similar problem- please go to your state's website and file a complaint with your attorney generals office.

After reading all the stories on ripoff- I see a pattern where they show an outstanding amount as paid but then later when you try to refi  or apply for credit the old debt is somehow not paid off anymore and you owe penalaties. 

WE NEED TO ORGANIZE!! we need to get our state attorney general to  work together to put these guys out of business and some of them in JAIL- for criminal fraud.

FILE your complaint with you state attorney general's office. Forms can usually be found on the website for your state.