I pulled my Credit report, to find Rain Forest Apartments listed with a $2,200.00 balance owed. Jointly with My Current Girl Friend.
1.) I have never lived there.
2.) Never been there.
3.) And did not even know my Girlfriend until AFTER she moved from there.
I of course look up and find the phone number for the Third Party Collection Agency Listed in the Title.
The First person I spoke with with Mr. Paris (Keep in mind I did this job for 6 years, I know the Alpha Dog syndrome of collectors and can play any of them to a result in my favor, whilst they think they have owned me the entire time) who said the account does not come up under my social, asked for another name, gave him my GF's name he pulled it up... He asked me if I was the secondary (My GF's ex BF) I replied no I wasnt, I then explained the situation.
Mr. Paris told me Jan (Made up name for my GF) had listed me as an occupant and given my social to the complex and said that makes me responsible.
Two problems allready
1.) FDCPA violation for speaking to a third party (me) in regards to a debt my name is not attached too.
2.) An occupant is like an authorized user of a Credit Card... Can use the facilities but is in NO WAY responsible for financial burden of the facilities.
3.) Jan did not even know who I was, we had not yet met, when she alledgedly gave the complex my social.
I explained my Brief amount of knowledge on that subject, and he went to alpha og mode..."Whatever you say Sir (condecending) you know you lioved there, you know you owe the money, its your credit not mine." (I have saiod the same before HAHA)
I asked for a supervisor, to which Mr. Paris said "You want a super, fine you think im bad, watch this."
"This is Ms. Lopez sir you owe thsis money (Raised voice)"
To which I say, "This is no supervisor, you are just collector in the next cubicle over, thats an old trick, give me a real supervisor."
"I am the supervisor"
"At best you are team lead, give me the guy at the end of the row, in the BIGGER cubicle"
I am put on hold and finally a VERY Polite... Collector named Kimberly Wels (This is NOT a complaint about her... She never broke the law, and actually defused the previous situation, she is a model collector this company should recognize) comes on the line... I explain to her the situation and she says "Sir I cannot speak with you regarding this due to Third Party Privacy laws"
"But its on my credit" I say
"Sir your name or your social has NEVER been attached to this account, we have never spoken with you before today"
"But Mr Paris said it shows I was an Occupant and MY SS# is listed"
"No sir it is not, I suggest if it is on your CBR (Credite report) to dispute it on the rport, they will call us we will say no its not his debt, and they will delete it."
"I thanked her for her time, and she asked for Jennifers information (This is called skip tracing, and is COMPLETELY legal) I did refuse the information and she then asked me "Are you Mr. (Jans Ex BF's name)"
"No ma'am I am not"
End of conversation.
I have since filed on here, as well as with the BBB (better Buisness Bureau) as well as with the FTC (Federal trade Commision, The federal agency that controls Debt Collectors with the Fair Debt Collection Practices Act)
The purpose of this report, Is just to show that it happens, and will continue to happen the longer people are unaware of their actual rights.
I suggest you all read the FDCPA (its not long) and NEVER try and strong arm a colelctor if you dont know the law... You will just look like an idiot, and then get no one to help you.
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