In July 2005, Unifund lawyers in San Diego sued my wife and I, residents of TX for over 40 years, in San Diego, CA. Unifund claimed a breach of contract on an alleged credit card debt of over $9000 plus interest from May 2001, late charges and attorney fees.
Unifund obtained my son's Social Security Number and served him in Sept 2005 at his office in San Diego. My wife and I were not served and we did not appear or file an Answer. My son hired an attorney and had the case dismissed because my son was not the Defendant in the Complaint which contained false statements.
Prior to the lawsuit, my son was harassed by Unifund Reps at work and at home from March through June 2005. My son repeatedly told the Rep that the account was not his and that he was never on the account. The Rep always replied that my son's SSN was on the account.
This account originated about April 1970 and Unifund purchased the alleged debt through a later Assignment. My son was only three years old in 1970. Misuse of my son's SSN adversely affects him by higher interest rate quotes for loans and mortgages.
The Rep told my son that the last payment was made in May 2001 but changed the date to August 2001 after realizing over four years had passed. Unifund refused to furnish my son with any paperwork or validation of the debt. Unifund violated several provisions of the FDCPA in its collection attempts.
From the San Diego County Court Index, I counted nearly 300 cases filed by Unifund in the Year 2005. This litigation is by one predator operating in one county. If my case is any guage, how may of the nearly 300 cases were time-barred from court action?