I received a notification in the mail on 9/18/06 that stated "WE ARE YOUR NEW CREDITOR"! Of course this caught my attention and I read on. It stated that I owed someone $3,130.10! Which I had no idea what or who they were talking about.
It gave me two different opportunities to pay the debt at a 40% discount. Opportunity #1 was to pay $187.81 in 10 convenitnt monthly payments OR Opportunity @2 was to pay $60.00 per month until the balance was paid!
I called them and find out what they were talking about. But I have since remarried and my last name is different on the letter I received and I refused to give them any personal information about me until they answered my question as to what & for whom they were trying to collect.
I gave the attendent the Reference Number that is on the letter I received from them, but she refused to give me any information on the creditor until I updated my personal information. I relayed to her that if the letter had come to my current address (how they got that I don't have a clue), and the reference number, that should be suffient identification to at least tell me who the origional debtor was. She refused to give me any information but said that I could send a letter of "dispute" to them via U.S. Mail and they would then respond to me with information.
I felt this was just another way to get my personal information. I did tell her that if I formally responded to this letter and I find that they were fraudulent, I would contact my lawyer. Her response was "Fine"!
I am in the process of trying to find out how & where to go to get a couple of issues that have after a number of years appeared on my credit report as it is, and I was really upset with this additional issue.
I know for a fact that this particular amount and who RJM listed on the letter is NOT on my credit report at present because I pulled it this last week to attend to the other issues that have re-appeared on my credit report after a number of years. If anyone knows Where or Whom to contact to have these issues resolved, please respond.