Do I have cause of action?

What is the name of your state? SD

Last monday (4/7) I received a call from a collection agency regarding a bad check from 2000. I said I didn't write it and wanted a copy of the check. She said ok and said she would fax it. Never happened.

Forward to Thursday 4/10. Another company from another state called about the same check, same amount and everything. Again, I said I wanted proof of the check's existance by mail or fax.

Yesterday they faxed me a copy of A check, not MY check. It has someone else's account number and routing number and name on it and it's from 2001 for the EXACT amount that the CA told me I owed. Nothing on the check had ANYTHING to do with me.

My question is this, if I mail a copy of this check to the person it belongs to with a copy of the FDCPA, what would their recourse be.

Do I have any recourse against CA?

Thanks!

[Ladynred]

Yes, they're after you for a debt that is not yours. I'm even surprised they sent you the check !!!

Just out of curiosity, what's the name of this CA ? Is it National Check Control or JBC Associates (same company, 2 names) ?

Don't send the check to the person it belongs to, its not your obligation. If these scum collectors want money, let them track down the RIGHT person.

Send them a Cease and Desist - its not your check, not your debt, and they need to go away.

BTW - File a complaint with the FTC, you can do so on-line. You're being harrassed for a debt that is not yours and the only way to get the FTC to take action against these CA's is to pile on the complaints.

Thanks Lady!

Anyone have any other opinions?

Nope.. what Ladynred said is exactly what you should do.