I have three different account that American Agencies are trying to collect on. All three accounts were from Dec 1999- Jan Three different address' at the same exact time, all three accounts were business related phone bills through Pac Bell. The totals of all three bills came up to $9,600 after interest. At the time in question I DID NOT reside at any of the stated address. I was told that once there is an activew account you can get different lines connected anywhere. As a matter of fact I had just enlisted into the US Navy.
I tried to dispute the account at first there was only one that showed up on my credit report but once I started trying to dispute the item not even a week later three separate accounts showed up on my credit report instead of the one. We all know it takes 30 days to hold an investigation but American Agencies also verified that these accounts were in fact mine. American Agencies advised Experian not to take it off of my credit report. Fraudulent yes How could I have three business lines all in the same name at three different address' all at the same time?
American Agencies told me that the bills were being paid for at least a year before they went to collections so they had to be mine, then i was told to send in proof of residency at the time in question I am in the military they said they still need proof So I had to track down my previous employer to get a copy of my W-2 from 1999 & 2000 (because the address is on there) I also sent them my college transcripts All of this documentation has the same address (so that in itself proves that I was not at either of the address' where the bills were activated)
I was also advised to get in contact with Pac Bell whom have now merged with SBC and AT&T I called them and asked them how long do they keep record of old bills. I was informed that once they send the account to a collection agency that it is no longer in there hands especially all the way back in 1999. I called again and was able to give them the old phone numbers (I found them on my credit report) in question and was told that SBC (Whom my home phone services are through at this current date) will send me all three of the last bills on each account.
When I called American Agencies I was sent directly to the fraud department and was asked if I had filed a police report. How would that be possible for an account that is about to get charged off anyway I was advised by American Agencies to file the report although I do not live in the state of California. I faxed them all of the required information and was told that they will contact me after 30 days after they themselves do an investigation by mail
I too think it is a scam when trying to conduct business and getting it removed from your credit report doing the righteous thing I felt that I was getting turned in circles. Why would I pay 9600 in bills that I know that are not mine. I would like to know where were they sending these alleged bills I was not at any of the address where the services were so I was shocked to see almost $10,000 worth the phone bills in my name The 1st thing they ask you when you call a collection agency is what is the account number (how am I supposed to know) The 2nd thing what is your social security # As soon as you give them that the account is pulled up immediately. American Agencies thoughts are if your social security number is in the system it is definately your account!!!
0 comments