This company started calling me about a old HSBC credit card debt that now belongs to Mainstreet Acquisition Corp. I sent them a letter stating that I would only communicate with them in writing and to stop calling, they called one more and told me they were gonna just sue me. They have five days from first contact to mail me a dunning letter, which arrived the following week, however this letter was sent to an address that I haven't lived at for 25 yrs. And they had my correct address because I put in on the partial cease and desist letter,
I figured the only place they could have gotten this old address was off my credit report. So I go to Annualcreditreport.com and Equifax tells me that I've already gotten my 1 free report! WHAT?!
Equifax tells me I've already viewed my report on the same exact date that's on CPC's dunning letter that they just happen to send to an address that's 25yrs old and could have only been found on credit report! Bastards! What was the purpose of that? Did they hope that I wouldn't get it in the 30 day dispute time? If that was their plan then the joke was on them because I only live 6 miles from this old address and even though its a different town and zip code I got the letter only 1 day later then if they just would of mailed it to the correct address.
I mailed them a letter asking for Validation right away, making sure I pointed out the correct address.
Of course I have no proof that they used up my free credit report which would be fraud/identity theft. But that's one hell of a coincidence, and I'll believe it was them till i die.
While all of this was going on, I was in contact with Mainstreet, who promptly and correctly validated, and I paid Mainstreet directly and have received the deletion letter, so NO commission for you CPC!!!
0 comments