In June I was a victim of Identity theft. I did all the right things by cancelling all my credit cards, putting a fraud alert on my credit, filing a police report etc. However recently I applied for a loan to purchase a new car and was denied. I acquired my credit report and learned a negative entry was there. It was from Palisades Collection L.L.C.
I was able to get in touch with Palisades who was not very helpful in my attempt to clear this up, but I assured them that the information that they placed on my credit report was not an account that I opened. I assured the representative that I was speaking with over the phone that i could get a copy of the Police Report to prove that what I was telling them was the truth. However the representative seemed only interested in one thing collecting the #302.80 that they claimed I owed.
I was able to learn that the account was originally opened to an address in a city that I have never lived and the Police Report proves that at the time that the account was opened my address does not match the address to which the account was opened.
Now, I believe Palisades is violating the Fair Debt Collection Practices Act, because once I informed the representative that I believed the entries to my credit report to be wrong, if I am not mistaken according to the FDCPA, Palisades were to cease all attempst to collect the debt until it could be verified. During my conversation with their representative she told me that I would have to fill out a fraud packet that they would send me. I have received the packet and there are a couple of things that bother me about this.
(1) Page 1 of the fraud packet is clearly a bill. It says Detach Upper Portion and Return With Payment. Once again i thought all collection action was to cease until the debt can be verified. Even though it does state that all collection activity on your account has been ceased, that is contradicted with the statement at the bottom of page one this communication is from a debt collector and is an attempt to collect a debt.
(2) On all subsequent pages of the fraud packet it clearly states in bold and all capital letters DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENTY. If this organization is conducting legitimate business within the law, why would it be necessary to add this statement if not for the reason of hiding it's business practices from the Federal Trade Commission or the U.S. Government. I believe this rogue company needs to be shut down and the only way it is gonna be shut down is if all those affected by Palisades and their business practices stand up for our rights.
I have been able to get the items removed from my credit report but here is all the things that I have done. (1) Send copy of Bull S—t fraud packet and the bill they sent me to the FBI, (2) Send copies of everything that I have to the Credit Beureaus, (3) File a complaint with the FTC and am now in the process of finding out if I can file a lawsuit against these folks. They messed with the wrong man when they messed with me.
Swill692000
APO AE 09173, New York
Germany
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