Complaint / Review
Merchants Credit Guide
Received 1st notice of supposed debt from 11 years ago Ripoff

I received a letter today (7/13/05) from MCGC. They have stated they are representing LVNV FUNDING LLC who has purchased my default account from AT&T Broadband LLC. The letter further explains:

I have been offered a settlement of 50% paid in full; or
3 equal payments totaling 70% of the balance; or
Monthly payments in amounts I "can afford".

I called the toll free number provided on the letter and reached a representative who claimed this "Oh, this is a simple one". He read off to me the (correct) last 4 digit of my SSN and advised me this was a bill from AT&T Broadband, a cable provider, from 1994! He gave me a street address of a previous residence but had no actual apt. Number. AND I didn't live there in 1994. It was, in fact, a couple years later.

I am going to write to MCGC, with return receipt, and deny this debt. I will also send a copy of all of the above to each of the 3 credit reporting agencies. Unless MCGC can provide proof that such a debt exists I hope this will prevent it from ruining my hard earned good credit.