Back in 10/2005 Ford Motor company charged off a debt that was dated 10/2002. In March of 2008 Cavalry purchased this debt. Although it is legal to purchase a charged off debt, it is illegal the way this company did it.
First they changed the date of the debt from the original date 10/2002 to their own date of 3/2008. This was to probably keep the debt on my credit as in 10/2008 (next month), this debt would have fallen off completely from my credit. Last year, and even two years ago when i purchased my home, this debt was not on my credit. it suddenly has aroused its head on my credit again, and now with a new debt date (illegal). also they did not inform me of this transaction taking place (illegal), also i never gave permission, or signed anything for them to do this transaction (illegal).
i called the company in May of 2008 to complain, and they were talking with me until i brought up two words FDCA and illegal, once i did this they hung up on me. the person i spoke with never identified her name, just "customer service department". then in July of 2008, they reopened the debt for collection, again by law in order to do this you (the consumer) has to either promise to pay, make a payment or set up a payment plan. none of this happened, again (illegal).
i have never had any contact with this company till September of 2008, they sent me a letter disputing my dispute of a fraud claim. they are asking for my personal info (ssn, and drivers license), i am not sending it to them, however i am sending their form back to them with lots of law lingo.
so from March of 2008 (when they say the go this debt), till September of 2008 disputing my dispute, i have never once received a call from them, a letter from them attempting to collect this debt, or a letter from them stating they acknowledge me as someone who owes them money.
this company is a scam artist, who just puts things on credit to ruin peoples lives, who only cares about themselves and their big wig (leaches) sitting in their big comfy oversized chairs sucking inncoent people dry of their money so that they can live one more day happily in he millions.
i have filed numerous complaints, with the BBB of New York, who did nothing, the OAG of New York (havent heard back on that one), OAG of Texas, because that is where i live, and the FTC.
hope this gets resolved.
i noticed i am not the first one with a complaint against this company.