CBCS contacted me May 28th regarding a bill that was not mine from 8 years ago. The woman was screaming at me, insisting that I owed this money and, frighteningly, she knew my birth date and my middle initial and contacted me on my cell phone.
Anyway, as I don't take to kindly to people screaming at me over the phone, I refused to give her any information AT ALL. Especially when she asked me to verify my social security number... AHEM, I wasn't born yesterday, screamy lady...
She kept insisting that I verify the account number, or phone number I was calling from, but since I was not being cooporative, she decided to give out some information. I learned that there was apparently some AT&T line in my name that I don't remember having being billed to an address that I don't remember living at. When I informed her of this, her tone changed, and she managed to stop screaming long enough for me to get a fax number out of her. The weird thing was that she wanted me to fax her a copy of my driver's license and SS Card!!! Do not do this!!! Can you say, identity theft, anyone??? After HOURS of internet research, calling the BBB, the Attorney General of Ohio (where they are located) I managed to gather a game plan of how to beat these jerks. I wanted to share that info with all of you who are in the same boat.
HOW TO BEAT CBCS:
1) go to http://www.fair-debt-collection.com/disputing-debt-collections.html
Find the letter that suits your needs, copy and paste the template into your word processing program, fix it to be accurate for you and print!
2) fax the letter (I have read many reports on this site of victims' dispute letters being returned in the mail) with "ATTENTION: Mrs. Blue" at the top (some sort of code that you don't owe the money they say you owe) to (866) 291-7413.
3) sleep easy knowing that the law is on your side in matters like these!
Good Luck To ALL!
Get-smart-and-fight-back
Somewhere in, California
U.S.A.
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