Asset Acceptance ripoff Fraudulent attempt to collect a debt from 9 years ago that never existed! Warren Michigan

Paul,

The fact that you know it is not your obligation makes this very easy to deal with.

First, send a written dispute to each affected credit bureau. Simply dispute the account for reason "NOT MY ACCOUNT", and demand copies of all communications used in the verification process as per your rights under the FCRA.

Second, send a DEBT VALIDATION letter to the collection agency and demand to see the original contract as well as a full account history and itemization of charges.

Stay off the phone. Do everything by certified mail, return reciept requested. be sure to put the certified# on the letter itself and keep a copy for your records. This is very important as it proves WHAT you sent.

The credit bureas must IMMEDIATELY remove the item while it is being investigated, and if it is not proven within 30 days, it must be removed permanently.

Now, file a lawsuit on the collection agency for your time and expenses in dealing with this, as well as the damage to your credit score. They know they cannot defend this in court and will in most cases settle out of court.

Relax. Have fun. Get paid.