In May after I was denied the house, I had checked my credit
and discovered four collections on my credit report. I called the company RJM ACQ LLC and
spoke with one of their associates. When I gave the associate the account
number, I was told by him that they did not have my full name, social security
number, date of birth or address. I asked him why they never mailed me anything
and again the associate said "because we don't have your address" I
asked him "why did you report this on my credit?" and he said
"we reported it on every single person with the same last name in Colorado
Springs in hopes someone would call us and pay the bill" I told him that
that was illegal and I wanted it removed. He said he couldn't just remove it because they might not be able to
collect it from the real person
that actually owes the debt. I told him I worked at a law office that
sued collection companies and that if he did not remove it. I would hire an
attorney and sue him. He then put me on hold and a few moments later said they
would have it removed by the end of the day. He then asked me for my address to
mail me proof they had removed it from my credit report. A few days later I received a letter
from RJM stating they had notified all of the bureaus and it should be removed
shortly. I checked my credit again and both Transunion and Equifax removed it
immediately, but Experian had not. I then sent a letter to Experian with a copy
of the letter from RJM ACQ and the a cd with the audio recording of the phone
call of RJM stating they had no records on me. Experian has now verified the
account as being accurate & wont remove it! Experian has also told me in
writing that RJM ACQ has verified the account to be mine and will not remove it
now. I am asking RJM ACQ to either remove the account immediately or I will be
hiring an attorney to sue RJM ACQ for violating FDCPA and FCRA. A collection
company was recently sued in Texas for 1.5 million dollars for violating FDCPA.
Like the gentleman that was getting abused by the collection company, I too have a recording of RJM ACQ's
employee violating FDCPA. Due to the fact I am a single father of three and I
can not provide safe housing for my children, I am sure I have damages.
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