In Nov of I was turned down for credit. I checked the credit reporting agencies and found 2 bogus addresses in Virginia and a Sprint account in collection. West Assest Management had filed the collection account the first time. I reported fraud to police and West Assest and credit agencies. They put a block on my credit while they investigated.
I sent certified all the information all requested.
I received a delete of the Sprint account off my credit report.
Two months ago I started getting calls from Collection Company of America. I checked my credit report to find the collection back on in the name of Collection Company of America I called and spoke to 6 different people with nothing resolved. I called the Credit reporting agencies again and they did another investigation and AGAIN deleted the collection from my account. I do have a Fraud alert on my credit reports. I called Collection Company of America and they told me they could put it back on anytime they wanted again.
I called my Attorney Generals office in Delaware, very helpful but was told it was a Federal complaint. I called the Ftc and was put on with an indifferent bored girl who couldn't care less, I was then transferred to her supervisor who told me they would take note of the complaint but unless they got alot of complaints little would be done. I was told to get an attorney if they kept putting it back on my account.
My biggest gripe are these two paragraphs that come from the FTC themselves...
Any. Consumer reporting company that has accpeted your Identity Theft Report is obligated to notify the information provider about the block. If a consumer reporting company tells an information provider that it has blocked fraudulent information in your credit report, the information provider may not continue to report that information to the consumer reporting company. The information provider also may not collect the debt that relates to the fraudulent account, or sell that debt to anyone else who would try to collect report the information if it later learns that the information does not result from identity theft.
Any consumer reporting company that has accpeted your Identity Theft Report is obligated to notify the information provider about the block. If a consumer reporting company tells an information provider that it has blocked fraudulent information in your credit report, the information provider may not continue to report that information to the consumer reporting company. The information provider also may not collect the debt that relates to the fraudulent account, or sell that debt to anyone else who would try to collect.
How many more people out there is it being done to. Thousands or more I bet... They have sold my account from West Assest Management to US Assest Management Inc with Collection Company of America doing the collecting. Are they all the same companies??? They violated the first two paragraphs from the FTC. If more people are having problems from these 3 companies please report them. Maybe we can do something in numbers. Because it doesn't seem to count with the FTC when its 1.
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