First Data leasing FDGL, Telechek, Jonathan J. Judge, Peter Boucher, John Elkins, Mark Herrington, Kevin M. Kern, Edward Labry, David R. Money, Ray Winborne,Henry R. Kravis, Joe W. Forehand, Scott C. Nuttall, James R. F First Data unlawfully reported to the credit burea on my credit Atlanta, Georgia

I was a chef(not owner) of a restaurant in Florida, which closed after the oil spill..  I personally saw to it that all the equipment, including our check machine, was returned to the merchants. The check machine was through First Data Global Leasing. I was assured at that time that all services were terminated and that all debt was settled. I even made follow up calls with them to be assured of this fact.. Keep in mind I did not even own the business, and was only an employee.. So 7 months later I was in the middle of trying to buy a home when the bank tells me I had to low a credit score to get qualified.

I was stunned as I should of had great credit, above 700... When I checked my credit report, there it was a derogatory charge off from first data for $748. It dropped my credit over 80 points.  I contacted them and after moving through their channels all day finally I was directed to a collection agency, which told me that the charge was actually over $1300 after their collections fees, and the original charge was an early termination fee. 

They said that even though I did not own the restaurant, or even that it was not my responsiblity, that I MAY have signed a personal guarantee. I had no idea I signed anything like that...  So even though I never received a single notice nor where they sure I ever signed anything that I was responsible for the debt... So the credit I have worked on my whole life is partially ruined and even if I pay the ridiculous debt then it will not be repaired for several years because of this.. I am taking legal action against them. I cannot buy my home which I will lose. I believe this to be unlawful!