StickyFingers
Member
What is the name of your state?FL
Ok..I have never owned a credit card in my life. Fortunately, I was always taught that if you don't have the money to pay for something up front..It is probably more of a 'want' than a 'need', and if I didn't 'need' it then it was not worth the debt.
I am sure that you could imagine my surprise when I pulled my credit report in late November and I had a credit card on there that has been "charged off" from Cross Country Bank.
I disputed this with Equifax and the results came back in December that it was my account.
All of the sudden I am getting repeated calls from a collection agency called Leading Edge.
I returned their calls and tried to explain to them that this must be a mistake. That I have never owned a credit card. They read my SS# off..and I agreed that it was my SS#. They said, then it was my debt.
I researched this company on the internet and I have only seen derogatory comments...such as one complaint stated that this company called them 20 times in 24 hours. Another site stated that this company often goes after debts that are well past the Statute of Limitations.
I checked my CR and it states that the date of last activity was 12/2000. At this time I was living in SC. I discovered that the SOL on credit card debt in SC is 3 years (4 in FL).
I called Leading Edge back (after more of their numerous attempts at contacting me) Where they stated that a judgement has been placed on me in 12/2005 for this debt. They would not listen as I tried to explain once again that this debt was not mine, that I never owned a credit card. I finally mentioned the SoL on this..and immediately they started screaming at me. Stating that they would call me repeatedly 10-20 times every day until this debt is paid.
I am at loss as what I do now. Is there some way that I can report that this is a fraud? I have never even heard of Cross Country Bank. How do I deal with these people? How do I prove that even though it is my SS#..I never applied/accepted this CC?
Thanks for any advice.
Ok..I have never owned a credit card in my life. Fortunately, I was always taught that if you don't have the money to pay for something up front..It is probably more of a 'want' than a 'need', and if I didn't 'need' it then it was not worth the debt.
I am sure that you could imagine my surprise when I pulled my credit report in late November and I had a credit card on there that has been "charged off" from Cross Country Bank.
I disputed this with Equifax and the results came back in December that it was my account.
All of the sudden I am getting repeated calls from a collection agency called Leading Edge.
I returned their calls and tried to explain to them that this must be a mistake. That I have never owned a credit card. They read my SS# off..and I agreed that it was my SS#. They said, then it was my debt.
I researched this company on the internet and I have only seen derogatory comments...such as one complaint stated that this company called them 20 times in 24 hours. Another site stated that this company often goes after debts that are well past the Statute of Limitations.
I checked my CR and it states that the date of last activity was 12/2000. At this time I was living in SC. I discovered that the SOL on credit card debt in SC is 3 years (4 in FL).
I called Leading Edge back (after more of their numerous attempts at contacting me) Where they stated that a judgement has been placed on me in 12/2005 for this debt. They would not listen as I tried to explain once again that this debt was not mine, that I never owned a credit card. I finally mentioned the SoL on this..and immediately they started screaming at me. Stating that they would call me repeatedly 10-20 times every day until this debt is paid.
I am at loss as what I do now. Is there some way that I can report that this is a fraud? I have never even heard of Cross Country Bank. How do I deal with these people? How do I prove that even though it is my SS#..I never applied/accepted this CC?
Thanks for any advice.