I know this has been covered before. Still, I want to no what to expect if I take this further. Twice, Asset Acceptance verified an obsolete date of 05/2012 for a sprint phone account that defaulted in 08/2001. After I contacted the Michigan Attorney General, they finally sent a internally generated printout of a balance due. Interesting thing about their printout. It states that last transaction is 08/2001. Their own document declares that they have re aged this debt. What can I expect if I get an attorney involved? I haven't found one is my city but I can make a road trip over to tampa where there is a Naca sponsored Attorney. I am not afraid to sue if I can get some cash and get rid of this listing. I don't want to have any out of pocket expense- well filing fees and travel costs are sufferable. Asset is not my only derogatory. With experian, I have three others. With Trans and Equifax, I have 2 others. Somebody give me some insight. Yes, I have filed with the MI AG and the FL AG. BBB and the FTC.
Follow up with a written complaint, including copies of your documents, to FTC. Although we can't know how many complaints it might take to get action, FTC did fine NCO $1.5 million for FCRA violations due to re-aging about 2 years ago. To get them involved probably requires evidence that they are systematically re-aging, and that requires complaints. Not only do you have documents from them showing the re-aging, but they have "verified" it, twice, which indicates either that it is intentional, or that they do not have adequate systems in place to investigate and handle consumer disputes, as required by law. Either way, that looks "systematic". Make that clear in your complaint, and hand them the evidence in black and white. http://www.ftc.gov/opa/2004/05/ncogroup.htm
