Just found out that CAMCO owns an old debt of my husband's. The account's been sold 4 times. With Equifax the date of last activity is correct showing 08/1996, but the other two agencies are showing 2002. It also showed a hard inquiry from them that my husband never authorized. First of all we've never heard of these people and it took me 3 weeks to find them. When I contacted them I found out a couple of things:
1. North Carolina has issued a Cease & Desist order against CAMCO in 10. They can no longer contact anyone in this state. This is via a spokesperson from the North Carolina Attorney General's office.
2. The Statute of limitations has expired for lawsuit as well as the 7 year limit listed in the FCRA.
3. They broke the law by changing the Date of Last Activity dates with the other two CRA's.
I've mailed them to try to clear this up and I'll update ripoff when I hear something. But maybe this will be useful for someone else in N.C. As well as other states.
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