I first noticed an extrememly negative listing on all three of my credit reports (Experian, Trans Union and Equifax) back in November. As I have never held an account with Fingerhut, I wondered where they were getting their information from.
I disputed it right away with the credit reporting agencies and Experian promptly deleted the item. However, Fingerhut verified the information they were reporting to Trans Union and Equifax and the incorrect listing was to remain on my credit report.
It was at this time, after noticing many other incorrect items on my personal credit report, that I began to research. To everyone that is having problems with Fingerhut and Mitchell N Kay - the answer lies in the laws meant to protect consumers in situations just like this - The Fair Debt Collections Practices Act (FDCPA), The Fair Credit Reporting Act (FCRA) and the The Fair Credit Billing Act (FCBA).
Armed with knowledge, I went after Fingerhut directly. I mailed letter after letter (always certified-so I could prove later in court they had rec'd them) disputing the account and demanding some sort of proof that it did in fact, actually belong to me.
Fingerhut has ignored my demands but that's fine, it just helps me tighten the noose a bit tighter around their necks. They have violated the above mentioned laws numerous times and I was JUST about to file suit against them in court when...
I received a collection notice from Mitchell N Kay for the Fingerhut account. Demanding $988 as the balance in full. I sent them what is commonly called a "validation request", which basically means they (Mitchell N Kay) have to contact Fingerhut and obtain copies of the original documents I would have signed upon opening the account (there are none in existance) AND a full accounting statement showing me EXACTLY how they came up with the amount they claim I owe.
Well, Mitchell N Kay has not responded to my request as of yet but I eagerly anticipate being able to add another defendant to my oncoming suit.
I have been denied credit cards, a mortgage loan and have been forced to accept subprime terms on my auto loan because of Fingerhut's inability to pin down the correct person who may or may not owe this money to them. My damages are real and well documented.
It is time to stop being victims and to GET UP AND FIGHT! Don't depend on their own internal departments to resolve your problem-it will never happen.
Be dangerous - be informed!
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