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#pscglenn - Says,

I have had a collection company for several years try to collect from me concerning a prior natural gas heating bill however when I dispute the fact that the bill is not mine (honestly) they do not respond to my certified request and is removed it was removed in 2004 then in 2006 and now I have it showing up on the CRA's again (same company and account no.) but this time they even was nice enough to list a new account with the same amount but with a new account number and even list the old original account too. so now I have two negatives showing on the CRA's I have disputed both via certified and also disputed through the CRAS and the company comes back to say "Verified" and it now is staying on the report. This company will not send anything to me to verify these accounts (which are none) but they can list them I am lost and need help. Please
#Laura - Says,

NAFS has a good deal of reports which you already know as I feel.

Try contacting the original company may be they can help.
NAFS has to provide you with documents to clarify this debt collection attempt. Ask them to send it to you immediately and dispute the items once again.

#Laura - Says,

Send the collection agency a debt validation letter. This might work for you.
#Guest - Says,

I have sent the debt validation letters in the past (3) but they will not validate anything
#Laura - Says,

Hi pscGlenn,

Once you have send the validation letter, they are supposed to reply within thirty days. Otherwise as per the FDCPA all attempts to collect your debt is illegal. Send them a letter once again as follow up, attach copies of your previous validation mails, mention that they are violating the FDCPA.

FDCPA Section 809. Validation of debts [15 USC 1692g]

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

They cannot report to the credit bureau without validating the debt which is again violation of the FDCPA. Send a letter to the credit bureau mentioning that they have not validated the debt and send the copies of your proof. Request the method of verification with the credit bureaus which is your right under the FCRA and is very crucial before you file a lawsuit.

You can file a lawsuit with the small claims court or the state or federal court. The basis of the lawsuit should be that the credit bureaus could not provide a satisfactory method of verification or did not conduct a reasonable investigation. This is to be done only if you think it suffices your situation.

You can also report it to the AG of your state, and the Better Business Bureau (BBB).

Keep me posted

#pscglenn - Says,

Hi Laura,

Sorry that it took so long to get back to you, however on August 15 2007 I once again checked my credit report and found that NAFS had removed the account from collections that they was claiming was mine for the past 6 years however they continue to report the account with the bogus account number that they created in July as "Verified". Keep in mind that I did send a validation request as well as a docs to show that this account was not mine and has never been mine via certified mail which was signed for on August 1 2007 but they have Verified the account as mine. Do you think that I should send another validation request giving them fifteen days to respond via certified and in the meantime send a letter to the CRAs informing them that NAFS is not complying with my right to verify a debt they are reporting and ask for removal as well as send them copies of all docs. that I have.

#Justin - Says,

Have they replied to your validation letter?
#Laura - Says,

Did you get a reply from them for the validation letter that you send?
#pscglenn - Says,

NO response from them.
#Laura - Says,

No validation from their side but they have reported to the credit bureau. This is illegal. This is violation of FDCPA. Lodge a complaint with the AG.
#Diane - Says,

I recently sent a debt validation letter to a collection agency because the debt they say I owe is not me and I also requested a signed contract with my signature on it from them. It took then over thirty days to respond to me and all they sent was a debt verifacation letter after the 30 day period was over. What do I need to do now because I do not owe this debt.
#anthony - Says,

How have they verified your debt? Do they have papers to show that the debt is yours?
#Guest - Says,

pay the bill and get it over with the trouble you are going thu to dispute it is pointless if all the info on the account matches yours try to get a settlement which means they will reduce the amount of the bill to work with you
#Mal - Says,

So "Guest" You're a debt collector, it's in your attitude. The person said it is not their debt. Why pay something when it is not your debt?!?! Typical debt collector comment. I had to deal with one of you clowns on a debt that was not mine as well. I NEVER had an account with this specific company and they had the spelling of my name wrong and everything and refused to repeat my social security number to me for validation! I refused to pay and guess what, they realized they were wrong and/or realized they were trying to scam the wrong person, after almost three months they desisted.
#Angel - Says,

I have been getting at least one call per day from NAFS. I have told them that they have my name (I think, but can't be sure with the thick accent the woman has), at an address that I have never lived at, with a membership at a gym that I have never heard of. I explained that I have never even talked to anyone about a gym membership and have never been inside of one. She apologizes all over the place and says she will take my name off her calling list. I am still getting calls. As long as it does not affect by credit rating, can I just ignore the calls, since it is not my debt?
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