I received a letter fro Camco and Four Score Source LLC stating that I owed a Citibank for a Visa card. I found this letter to be absurd becuase I closed my account with Citibank two years previously.
I called the phne number provided noticing that the gentleman had a accent I asked him where is office is located. He stated, "Kingston Jamaica" incidently the name he goes by is Mr. Simms.
I said, "You are in Jamaica, I know this must be a scam. He siad well Miss I have you SSN. " I told him anyway can get my SSN even Citibank since I recently closed my account with them 2 years previously.
I told him he had the wrong person. He kept repeating he had my SSN and stating CRA and FCRA to me and told me I must respond in writing within 30 days, date of the letter. The return address was in Rockford, Illinois though he was physically in Jamaica. I finished my conversation and called my attorney.
My attorney informed me that these companies will match names to good credit especially if the person had credit with the company of the bad debt accoutn. In other words they attempt to do matches. All you have to do is request a validation report and ask when was the debt last paid.
I was advised to include the Report Date and the Request for a Validation Letter. information in my letter and send it return receipt or verify proof of mailing.
I called Mr. Simms and asked him the Reporting period=the lsst payment date. He complied I then asked him for a Validation Report, his response is I have proof that we are a legitimate collection agency. I then knew I had him.
I told him I spoke with my attorney. If said Your debt $1672.49 send me $400.00 which is less than attorney fees and this will disappear. I laughed at him.
Following are the most important parts to send in your letter and this will disappear.
Reporting Periods are for 7 1/2 years only
You are not allowed to extend this period beyond the 7 years also the period cannot be adjusted because one of the following evernts occurred:
1.Creditor sells or transfers the debt
2.You respond to a post-charge off collection effort by making a payment or signing a payment agreement;
3.Dispute the debt or the charge off with the CRA.
CRA on allows 10 years for the debt to exist and since this debt is not on my Credit Report with the 3 major agencies it is a false claim which constitutes mail fraud. I will be reporting your activities to the US Postal Agency Mail Fraud Division in Illinois where you current P O Box is listed.
I dispute that this is my debt and please send me a Validation Report which substantiates your claim. Since you cannot I request that you cease and desist from further action and please pass this along to Four Source Source LLC your partner in crime.
On to you
Signed my name
They disappeared haven't heard a word.
RonE Glendale, Arizona