In May after I was denied the house, I had checked my creditand discovered four collections on my credit report. I called the company RJM ACQ LLC andspoke with one of their associates. When I gave the associate the accountnumber, I was told by him that they did not have my full name, social securitynumber, date of birth or address. I asked him why they never mailed me anythingand again the associate said "because we don't have your address" Iasked him "why did you report this on my credit?" and he said"we reported it on every single person with the same last name in ColoradoSprings in hopes someone would call us and pay the bill" I told him thatthat was illegal and I wanted it removed. He said he couldn't just remove it because they might not be able tocollect it from the real person that actually owes the debt. I told him I worked at a law office thatsued collection companies and that if he did not remove it. I would hire anattorney and sue him. He then put me on hold and a few moments later said theywould have it removed by the end of the day. He then asked me for my address tomail me proof they had removed it from my credit report. A few days later I received a letterfrom RJM stating they had notified all of the bureaus and it should be removedshortly. I checked my credit again and both Transunion and Equifax removed itimmediately, but Experian had not. I then sent a letter to Experian with a copyof the letter from RJM ACQ and the a cd with the audio recording of the phonecall of RJM stating they had no records on me. Experian has now verified theaccount as being accurate & wont remove it! Experian has also told me inwriting that RJM ACQ has verified the account to be mine and will not remove itnow. I am asking RJM ACQ to either remove the account immediately or I will behiring an attorney to sue RJM ACQ for violating FDCPA and FCRA. A collectioncompany was recently sued in Texas for 1.5 million dollars for violating FDCPA. Like the gentleman that was getting abused by the collection company, I too have a recording of RJM ACQ'semployee violating FDCPA. Due to the fact I am a single father of three and Ican not provide safe housing for my children, I am sure I have damages.
0 comments