They have 3 different accounts from the same company that are truly reported in error. I have called them for 3 days, left messages for managers, and no response. Today it got to the point where I was mysteriously hung up on three times as soon as I told them my name. So, I call Equifax to "taddle" on NCO.....the woman tells me oh, these items from NCO are scheduled to be deleted. Well, well, well.....Look at em run!!!!! How funny that they would avoid the crapola out of me...isn't it ususally the other way around? Chalk another one up for the blonde.
They keep calling my job. I've already told them not to call me anymore. I need to send them a C&D letter but I can't find my sample.
Whatever letter you send, make sure you include the fact that you have documented (you have right?) their numberous violations of the FDCPA; specifically: § 805. Communication in connection with debt collection (a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdic- tion, a debt collector may not communicate with a consumer in connection with the collection of any debtŠ. . . (3) at the consumer�s place of employment if the debt collector knows or has reason to know that the consumer�s employer prohibits the consumer from receiving such communication. 15 USC 1692c AND § 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: 15 USC 1692d Each instance is worth $1000. They've given you a lot of leverage in your negotiation with them if you have any documentation of what you say. Good Luck!
