Risk Management Alternatives Husband told he owed money, contacted RMA, No Contact since. Ripoff Duluth Georgia

My husband was sent a letter by Risk Management Alternatives from Duluth GA. We were told that he owes Sears X amount of money, now my husband did have a Sears account once with his ex-wife once but hasn't since. His brothers have also used his name and SSN to obtain credit before and then not paid and it gets put on his credit report.

I wrote RMA a letter and asked for proof that my husband owes this money on this account. I asked for receipts, a copy of the orginial agreement, anything that had his signature on it, and proof that they are registered with the state of Kentucky to collet debt. I sent it register mail so I would have proof that I contacted them. Under the Fair Reporting Act they have up to 30 days to respond. They did not respond except to call my husband on his cell phone at work, I don't know how they got the number, but tried to trick him into saying he owed the debt. He asked it they had gotten our letter, they said yes, and he told them to follow the letter. Not once in any of my letters did we refuse to pay, but just want comformation that he owed the debt. After 30 days I again wrote to this company, and again asked for comformation of the debt, I gave them 15 days to reply, and sent it registered mail, again I recieved no answer, so I wrote a last letter and gave them 7 days to respond, I sent that one registered mail also. I now have a paper trail, and they are in violation of the Fair Reporting Act since they still have not responded.

I will now take the letters I have, make copies of them along with the receipts to show that they were recieved and mail them to Fair Trade Commission, and the State Attorney office in Georgia and file complaints again RMA. Then I will mail all this along with my letter to the Credit Reporting companys and ask them to delete this from my husbands credit report. By law they have to investigate, and if RMA cannot comfirm, which they can't or they would have sent the paperwork, then the credit companys have to take it off my husbands credit report. I hope this helps someone else who has had a problem with this company.

Rebecca
Carrollton, Kentucky
U.S.A.