About a month ago I pulled my credit report and noticed that a collection account from Aaron Delgado and Associates was on it trying to collect a debt. I had no idea who they were and since I am in the process of getting my credit straightened out, this is one of the last things I noticed on my credit report.
So I call them and ask about the account. I ask to be sent validation. They're saying it's for an old car insurance policy that I had back in 1999. I ask them to send validation of the debt and they said "No. We're not sending you anything. We've already sent several letters to you." I ask what address did you send them to?
They repeated the address to me. An address I have not lived at since 2000. This debt occured in Florida and I am now in California. It's 2006 and I asked them again to send validation of the debt and they refused. So I ask to speak with a supervisor. She refuses to speak with me and tells the girl on the phone with me that they do not have to send me anything "by law" and that I can make all the requests I want, bottom line is, they don't have to prove anything.
So I said fine. I'll be reporting this to the credit bureau, FDA, etc. The woman says "Okay. Have a nice day!"
Since then I have been checking my mail and still have not received anything. Sent letters to them and nothing. I have also disputed the debt with the credit bureaus and it keeps coming back as "valid". Statue of limitations is up on this debt and not only that but when I pulled my credit report again, they changed all of the original dates from 2000 to 2006.
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