I received a letter from FCS INC. Stating that i owe $1309.02 for a credit card. When I called the phone # listed on the letter I was treated in an unprofessional manner. I was very upset due to the threatening comments of this individual and to the fact of which I never owed a circuit city card. The person I spoke with told me that this account is from the year 1999.
I have recently bought a home and this was not on my credit report. I told this person that if this was my account then why did it not show up on my credit report. He states that it would not show up until now. I don't believe this because when you have revolving credit it will show up on your report, when it was opened and how much your credit line is.
I have called the credit card company to verify that i have never had this account. Unto which i knew that i never owned a circuit city account. The representative I spoke with told me that if i have ever had this account it would show in there records even if after being sold.
According to NY state statue of limitations it is either 6 or 10 years of which this fraudulent claim is over limitations set forth from NY state sol.
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