An Employee asked me this question today. He has a CA collecting on debt that was reported from a Storage Company. He moved here from New Jersey and he works for me. Ok he left a refrigerator and microwave in the storage, and the company kept the merchandise and sent him to collections for 3 months of nonpayment about $400.00. He wants to know Is the Storage Co the OC? and are the bound by the FCRA? eventhough they aren't reporting the debt. The CA is the one reporting the debt. I told him to draft a dispute letter to the Storage Company asking them what was done with the merchandise, what did the sell it for and why wasn't it deducted from the bal they sent to CA.
Sounds like the storage company is trying to rip him off. The items probobly went to auction. Send validation to the CA. The Storage company isnt bound by the FCRA, they arent reporting the debt. Nail the CA.
