Robert D asked:
that was opened on may 1 2001 have made a police report and filled out a id theft affidavit .i have tolled them it is a fraudulent charge.they still have not removed it from my credit report its been months .what can i do sue! help.
Arnold
that was opened on may 1 2001 have made a police report and filled out a id theft affidavit .i have tolled them it is a fraudulent charge.they still have not removed it from my credit report its been months .what can i do sue! help.
Arnold
Gail
This is a bottom feeder debt collector….they buy ancient debts where they cannot find the original debtors and start harassing people with similar names and addresses to collect the debt:
Send a letter via Certified Mail + Return Receipt to Palisades stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:
- a copy of the original signed contract with my signature
- validation of the original “Date of Delinquency” for this alleged debt
- validation of the “Date of Last Activity” for this alleged debt
- validation that this alleged debt is within the statute of limitations.
Per the Fair Debt Collection Practices Act, the burden to validate the debt falls on the debt collector. It is not my responsibility to validate this alleged debt for you. If your firm has the info to place this item on my credit report, then you need no further validation of my identity. Receipt of this validation request is being time stamped by the USPS.
Responding to a debt validation request by sending a letter to me requesting that I file an identity theft report is not a valid response and any such response will be officially documented as a refusal to validate the debt per the terms of the Fair Debt Collection Practices Act.
Either validate this alleged debt within the 30 day time period as allowed under the Fair Debt Collection Practices Act or remove it from my credit files
If this notation is not removed, I will have no choice by to take legal action per my rights under the Fair Debt Collection Practices Act. I will also file official complaints with the Attorney General of New Jersey and the BBB of N.J.