FCNB - SPIEGEL FALSE BILLING NEVER HAD A CREDIT CARD OR CHARGE RICHMOND Virginia

Melinda, if this bill is not yours you MUST respond to protect your rights. According to Federal Law, you have 30 days to dispute any bill once it is brought to your attention - it looks like time may be running out! I would suggest that you call the collection agency, and obtain their fax number. Fax a WRITTEN dispute that states you do not, nor have you ever ordered any merchandise from the creditor in question and that you insist this matter be immediately removed from your credit report if they have already put it on.

They then have 30 days to "substantiate" the debt i.e. prove that you ordered merchandise and agreed to pay for it. If they cannot substantiate that with an invoice, buyers order, your signature, etc..then they have to drop the matter. Follow up your fax with a certified letter, and I would also advise you to put a statement on the letter that indicates you expect a formal written response within 30 pursuant to Federal Law or you will report the matter to The Federal Trade Commission.

Hope this helps!