Collection Agency Not Playing by the Rules

i have a collection account on my credit report. the collection company contacted me via phone call. the lady told me i had bouced a check on final bill @ the cable company. this was news to me.so ask the lady for a photo copy of the check and i would be happy to pay it.she told me that wasnt there problem. i informed her that i have never recieved a letter regarding this matter from the orginal creditor.i dont have a memory to ever bouncing a check, so i dont fill i owe it. i ask her at least give me the bank info and check number so i can research it. she became very rude and refused. so i contacted the orginal alleged credit and they refuseed to provide me with information. i then researched my bank accounts no record of bounced check. i then got a letter from the collection requesting payment for none returned equipment. i wrote them a lettrer requesting them to verify and validted the account. there response was a indenty thief letter. i then deputed with the cras. they came back verfied still on. i then contact ppl and had a letter sent out from lawyer reminder the of what has already took place, requesting they validate, send copy of check, and remove from cra. i wait 30 days and disputed with cras- no luck . i then contacted the lawyer. she told me that wasnt fair and she didnt know what to do, maybe i could sue them. my question is what should i do next?

Chris

p.s. they also have called my cell phone via autodialer misleading who they are,leaving a message call mr.xs office several times.

ps.s. this alone has drop my score 47 points!and its the only negitive mark.

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Hello Chris,

I am not an attorney and this is not legal advice, but it sure sounds like your rights are being violated under the FDCPA and FCRA.  Hopefully, you have been sending your correspondence Certified Mail Return Receipt Requested as well as making copies/documenting all communication.  Their phone message is precious – save it! 

Your attorney doesn’t know what to do next?  Is your attorney a consumer lawyer?  Naca.net has a list of consumer lawyers.  You may want to send another CMRRR to the CRA and collection agency advising of your intent to sue if they do not remove the erroneous entry immediately.  If the negative entry is not subsequently removed and you have applied for credit at a few places and been turned down as a result of this negative mark – then all I can say is – I wouldn’t want to be the CRA or collection agency.

Please let us know how this develops.

Paul