I received a $300+ ticket in 2006 for running a stop sign (I didn't really run it, but I did a "rolling stop," FYI) and paid the ticket at Amscot a few days later. Of course, Amscot (or the county, I'm not sure which) screwed up their records and didn't mark the ticket as "paid." This April, four years later, I pull my credit report and see a collections account from AllianceOne on there with the original creditor listed as "(insert my county here) County Clerk." Naturally, I didn't have the receipt anymore because this was 4 years ago and I hadn't heard anything about it since then. So, I proceeded to dispute the listing with the credit bureaus on May 2nd and received a response from Experian and Equifax about 3 weeks later. They removed the listing (Yay!). The debt was still on my TU credit report (I received no response from them whatsoever), so I decided to request validation of the debt from AllianceOne. I mailed them a letter on June 8th via certified mail requesting all of the information regarding the account. On June 21st, I received a BILL from them stating that I owe them over $2,000(!!) for the debt, but nothing at all in the way of verification or proof of the debt in the first place. Naturally, I was flabbergasted. 1.) According to sec 809 of the FDCPA, once you request verification of the debt, the CA cannot pursue any further collection activity until they furnish the information. AllianceOne tried to send me a bill instead of validating the debt. That's one violation = $1000 according to the FDCPA. 2.) Also in sec 809, when you request verification of the debt the CA has 30 days to provide this information. The mail already came today, so presumably AllianceOne missed their 30 day mark (and besides, I'm pretty sure that if you violate the first clause I mentioned, this one is automatically violated as well). That's another violation = $1000 according to the FDCPA. 3.) According to Section 807 of the FDCPA: A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: ... (2) The false representation ofâ?? (A) the character, amount, or legal status of any debt; or (B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. By alleging that I owe them over $2000 for this, they've also violated that section, which -- you guessed it = $1000 according to the FDCPA. In addition, TU missed their 30 day (and even 45 day) mark with regard to this account, so they messed up too. I just got off the phone with my mother's neighbor, who is an FDCPA attorney and he said I have a solid case against AllianceOne! He's going to get back to me on the TU part of it to see if their violation of the FCRA would be worth pursuing, but he said there's a good chance I can at least get them to remove it! Anyway, I thought this would be good to share and may provide some insight to some who are just starting out on this long journey. No matter what happens don't give up, and remember, there's always a way to fix these things. A lot of these companies are shady and it always feels good to hear about someone who successfully stuck it to them.