First of all, this company left a message on my voicemail as follows verbatim "I'm trying to reach % %. This is John Shelton and I need to speak with you regarding some paperwork that's been forwarded here to my office out of Dallas County. I don't believe that you've been made aware of this situation and I do need to get the information to you as soon as possible. I can be reached at 877-243-5126, or you can reach me direct at 843-278-0375. Once again (stating my name), it is very important you contact me as soon as possible."
Notice he never mentioned what company he was calling from and more than likely, the name he gave me is fictitious. And he never mentioned the nature of the call or anything. (I will keep this recording for my lawyer). I thought something had happened to a family member or something. So when I called the number, there was some voice recording that stated you are caller 4 and a representative will be with you shortly. Once again the voice recording never identified the company by name so when a rep came on, I immediately asked the name of the company. The rep immediately got an attitude and said don't play games. I said I don't have any reasons to play games.
Evidently, they have your number in the database and automatically identify you from that number because then he said is this % %. He then said what is the file#? I said the caller did not leave a file # and what is this regarding. He then started saying we've sent you letters and you didn't respond and started naming off addresses he claimed letters were sent to me in regards to some bogus debt back in 2001. I said what are you talking about, there are no delinquencies showing on my credit report. He then went on to say something about reporting it to the IRS as unreported income as a 1099C and I would have to pay them several thousands of dollars. I was like what the Fu*. To top it off, he started saying you don't fit the normal profile of someone who doesn't pay their creditors. I said what do you mean - this MF started naming stuff on my credit report. I went to check my credit report and sure enough, they made an inquiry on my credit report.
Someone please tell me this can't be legal, that they can just pull a credit report on a person when there is absolutely no reason for them to invade your privacy for some bogus BS. I am so upset right now. I looked this company up on the BBB website and they have complaints against them. The owner of this company is listed as Joe Cagle in Virginia Beach, VA. There is a customer contact of Mr. Kalin Scott at 757-368-3625. The BBB has requested basic information from this company, but has not received a response. I'm curious to know if anyone else has had any dealings with this company and maybe we should all complain to the FTC
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