In reviewing my credit report, the address of the collection agencies are not listed in my state according to the Secretary of State. They do have other agencies with the same name, but not the location and address they're reporting from. Does this mean they don't have the authority to collect from me? I just moved to Massachusettes and for example one of the collection agencies reports an opening date of 2005 and the balance date of August 2012. Is there a particular letter I can write to them indicating that they do not have the authority to collect in Massachusetts, or will it be the same debt validation letter? I never received an initial letter from them. Please help
What really matters is if the CA is licensed to collect in your state, not necessarily where their main headquarters are.
Many CAs have a number of different offices, I don't believe that every one of their individual offices need to be licensed.
