OSI Portfolio Services Dba Palisade Collections ripoff fraudulent entry on credit report of unverifiable 9 yr old unpaid AT&T bill on paid in full, closed account Duluth Georgia

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Palisade Collection Agency investigation Fox6 news investigative reporter John Mattes exposes Palisade like others exposed on Rip-off Report that sends out collection notices for alleged nonexistent bills threatening to ruin your credit. This Video link will better educate consumers about these types of Collection Notices.

Thanks in no small part to guidance received here, borrowing heavily from the demand letter you provided, and maybe a little due to the complaints filed with the Arizona and Georgia Attorney Generals, the Georgia Governor's Office of Consumer Affairs, the Georgia Department of Banking and Finance and Arizona State Banking Department (which regulate collection agencies), the Federal Trade Commission (FTC), and yes, the BBB of both Georgia and Arizona, as well as the SEC for failure to disclose the extent, number, and nature of consumer complaints against the company in its last SEC 10k filing - and/or the threat of those filings, I received a miniscule but satisfying form note of apology stating they were marking the account closed and the information would be removed from my credit report at their next reporting cycle.

As I got into this, I find that at the very least, Palisade violated Section 623 of the FCRA, Fair Credit Reporting Act, by taking old receivables marked as uncollectable, and giving them new dates to make them appear more recent to get around provisions of the Act that specify information older than 7 years may not be reported.

PS - If I thought I owed the $41 claimed, I would pay it regardless of age. I "pays" my debts. But neither Palisade nor AT&T can tell me what it's supposedly for and I do not believe it's a valid debt.

I encourage everyone similarly afflicted by Palisades tactics to complain to every appropriate governing body, and especially to file a complaint with the FTC regarding violations of Sec. 623 of the FCRA as noted above - Several other collection agencies have been forced to pay million dollar fines and to accept "consent agreements" whereby they agree to desist from these particular tactics of making old receivables new again and other actions identical to what Palisade has done with these ancient debts marked as uncollectable by AT&T (which hasn't exactly endeared itself to me either in this matter).