I recieved a collection letter for $197.07 from NCO Financial. The former creditor was Fingerhut. The letter went to my parents house in Las Vegas. I haven't lived there for 20 years. I called NCO and they said that I made the purchase from Finger hut in 1991. That was 17 years ago. I never purchased anything from Fingerhut. NCO said they burden of proof was on me. I had to prove that I did not order anything from Fingerhut. When I explained that I wasn't living at the address, they said that I could have had items sent there anyway. So I called Fingerhut. Fingerhut said that the original Fingerhut was sold to Compucredit about 2 years ago. That was the only information he had. I looked at my credit reports and it has been reported to all 3 as a bad debt. I have disputed the reports on my credit reports but they are still going to show up. Does anyone have any suggestions on what to do now? Unfortunately I called the collection agency from my cell phone and now they call me every 1 from 6am to 10pm
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