These cretins not only violated every section of the FDCPA but illegally put an entry in my credit file because they did not like the way I spoke to them! Get this; Bill Williams impersonated an attorney on the phone, made threats and could not validate the debt as mine. When he continued to insist that this debt was mine and became abusive the conversation got heated. Williams (Which is an Alias) stated that he was going to ruin me and my credit if I did not pay a debt that a roommate of mine incurred some 4 or 5 years ago. Being that my address was used I was now responsible for the debt!
It gets better. The credit bureau concurs with Williams and I have documented evidence that they said I'm responsible with no proof of the debt being mine. They further said that because this collection agency is a member of their bureau they believe them. This gives Williams' agency the power to screw anyone or blackmail anyone based on the Equifax/Trans Union people backing them. These scumbags are allowed to put a gun to your head and they cannot be stopped without litigation. They know that 99.9% of the people out there can't afford to sue them so they win by default.
The system is so wrong that these people can run rampart without fear of repercussions. They are allowed by law to extort money from you, sue you in court and then get a judgment to lien your property. There is no validation of the debt, there is no SSN tied to the debt, no contract to dispute but an allegation that one exists. They use national law firms to sue you and they have an army of attorneys to run a debt up to at least 10 times the face value. Unless someone changes the system the consumer is screwed and these agencies keep getting rich off of someone else's misfortune. The numbers are staggering, it's in the billions!!
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