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Tamlin
Madame Justice
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Re: Has anyone else had problems with this credit company?
Well, I just found out something very interesting about these calls from this "credit company." I got notification from a company that watches my credit - it has dropped from being in the 800's to the mid-600's. I got on the phone, the company noted that this *is* a huge drop, and suggested I get a copy of my credit report online. I got the 3D (all three companies) credit report and printed it.
What struck me: The company these alleged credit people keep harassing me about is on the report as a delinquent account! I don't know the company and have never done business with them, but I think they could be associated with PSE&G. I owed them some money right before I moved, but it was paid in full before I moved. The amount they show on the credit report (under all three credit companies) is the payoff amount! Again, under all three companies "account transferred or sold."
So this *could* be a legitimate attempt. Even if I got a final payoff statement from PSE&G. So tomorrow I call PSE&G - I wasn't able to do so today - and ask whether this Pitco is a parent company of theirs, that I'm being cited for being delinquent on a bill, and I believe this was paid off...I need it dealt with since it's negatively affecting my credit. But if this credit company is legitimate, why wouldn't they send me a paper bill?
It's just strange. PSE&G confirmed by phone, I owe them no money. Why was this transferred out if they got the payment? *sheesh*  At least I won't need the fraud-reporting contacts I have now, if I thought this was a true fraud. Now the credit report indicates otherwise!
Credit is so fickle. 
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4/3/2008, 3:48 pm
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friendlysolarflare
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Re: Has anyone else had problems with this credit company?
quote:
Tamlin wrote:
And it does appear this company is legitimate, even if they're annoying.
 It's a strange way to behave - especially if they are a legitimate company - why make it look like a fraud? It doesn't make sense to me 
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4/9/2008, 12:41 pm
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Tamlin
Madame Justice
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Re: Has anyone else had problems with this credit company?
Good question, fsf. I'm not sure if this is the answer:
Basically, I had called the energy company that this collection company keeps citing. Said energy company, apparently located in PA, recently showed up on my credit report, and a stellar credit score went down 100 points. When I spoke to the energy company, I found they have no record of me, and the energy company I used when I lived alone also has no record - I'm paid off and no longer in existence to them!
I was never a resident of PA, though I went to school there. I never paid energy costs, either to my college for the dorm, or my landlord in graduate school - the landlord included energy in the rent. So there is no reason for me to have a PA energy account.
The guy from the credit company (who was helpful, other than telling me to "stop being smart" because I didn't want to release my address - sheesh, I was being very respectful!) noted that this account with this energy company I've never done business with is in New Hope PA. I briefly dated a woman in that area, very briefly, until I figured out quickly she's bad news and got away from her. Bad news as she was, I really do doubt she would have perpetuated a fraud like that regarding my information. I never gave her information she could have used, though she ostensibly could have had access to my purse. But this is such a long shot it seems entirely unlikely.
My thought is that this is a random identity theft thing - this is why the person from the collection company used the word "fraud," and I tend to agree with him. He was aware that I had filed a dispute report with TransUnion over this unexplained charge (this is why I think the collection agency is legitimate, how would he have known about that?), and said that if I sent TransUnion information about my conversation with this collection agency, and said I had never been a resident of PA (true; it was school not residency), this charge could likely be removed from my credit report.
If I understood that correctly. Dad listened in and took notes; I'll go look at those notes. Me, I think I'm going to wait to hear back from TransUnion, this should be soon, and see what their findings are. But my own findings were that this credit company, annoying and pushy as they are (Dad notes, they're used to dealing with people who really are "deadbeats" so often that this is the way they act, not that that makes it right!), seems to indeed be a legitimate company, and this guy today was indeed a help. I think the information he got from me that I have a credit report from each "big three" companies in hand, and have called the company I allegedly owed money to, worked in my favor.
So, God willing, I don't think I'll need legal help here when it comes to this collection agency, as far as the Prosecutor's Office or the like. These guys seem legit, even if they're operating below standards of how collection agencies should act...and this *does* seem to be a fraud/identity theft situation. Legal intervention, if any is needed, would be towards handling an identity theft issue, not this credit company!
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4/9/2008, 1:27 pm
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freedom4ever
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Re: Has anyone else had problems with this credit company?
I sympathise Tamlin. I am being chased for a debt that I paid off months ago. The creditor sold the debt to another company months after it was cleared! It's damaging my credit score, neither company will discuss it with me on the phone (Apparently it's not company policy  ) and they are ignoring my letters!
They are now taking me to court. I told them 'I'll see you there and look forward to you incurring all the costs!'
This business of selling on debts (existent or not) is huge. Very scary that they can get away with it.
*channels nicotine deprived part of brain*
 Yeah, come on then, just try and mess with me! 
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4/14/2008, 1:01 am
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Tamlin
Madame Justice
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Re: Has anyone else had problems with this credit company?
That's the thing, F4F, I don't know if it's a sold-off debt or pure identity theft. The New Hope box makes me think the latter, the fact they have the number here at my parents' house makes me think the former.
So I don't know what to do with this. I'm going to write the dispute letter to CBSC, and I hope they're right that we can resolve this damaging entry on my credit report! I still haven't heard from TransUnion.
How do these old debts get sold-off anyway? I'm very confused as to how these companies do this to begin with...aren't there some laws abut debts? I'm pretty clueless as to that...though I don't think the debt I'm dealing with is a sold-off debt, maybe it is, but it's attributed to the wrong person!
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4/14/2008, 9:09 am
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friendlysolarflare
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Re: Has anyone else had problems with this credit company?
Yay  
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4/15/2008, 4:08 pm
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