What is the name of your state? GA
I have had a Cross Country Bank charge off for $3,009 on my credit reports for a long time. It should be past statute of limitations in about 6 months or so. (Experian says charge off date 9/03; Equifax claims date of last payment 9/02; and not sure what the heck Trans Union says). I have had numerous collection companies attempt to collect on this account over the past 3 years but none have been able to validate and stopped harrassing me. This was a charge a "friend" of my daughter used that I and she was unaware of and amassed about $1,000 on. I informed the bank at the time but had no address for the said person who fraudulently used the card, so they refused to do anything about it and held me responsible. With all the late charges, fees, etc. they wanted $3,009. I made a few payments and stopped in 2002 as I just couldn't get ahead. They were charging me more than I could pay each month and I stopped paying. Numerous collection agencies came after me, but as soon as I asked for validation - I never heard from them again until a new one started up again 6 or so months later. I have heard nothing from any collector for at least the past year and a half. I was just waiting for it to go the 4 years and then send out sol letters to anyone else who might attempt to collect on it. Now - here comes the odd part. About 4 weeks ago I began filing with the 3 bureaus to dispute an item on my credit report that was not mine. In the past, I disputed the cross country bank as fraudulent charges, which was posted as a statement on the report. All of a sudden, I get a letter addressed to "The Estate of [my name]. The letter is offering condolences on my death and if a relative of mine could supply them with my death certificate, and asj that the executor of my estate fill out a form they attached stating the details of my estate and how they can file to get paid!!!
Where they ever got this information from is beyond my wildest imagination! Never have I professed to have died to any credit bureau!! What they heck do I do now with this????? Any suggestions will be MOST appreciated. My biggest worry was that the collectors would begin to start up again and I would have to keep on validating as I've done in the past. Do I have to tell them I am alive and I don't know where in the heck they got this info from (obviously one of the cra's who I was disputing the matter that was not mine), or do I just ignore this and hope I can wait out the sol?
Alive and breathing, I thank anyone for any help.
I have had a Cross Country Bank charge off for $3,009 on my credit reports for a long time. It should be past statute of limitations in about 6 months or so. (Experian says charge off date 9/03; Equifax claims date of last payment 9/02; and not sure what the heck Trans Union says). I have had numerous collection companies attempt to collect on this account over the past 3 years but none have been able to validate and stopped harrassing me. This was a charge a "friend" of my daughter used that I and she was unaware of and amassed about $1,000 on. I informed the bank at the time but had no address for the said person who fraudulently used the card, so they refused to do anything about it and held me responsible. With all the late charges, fees, etc. they wanted $3,009. I made a few payments and stopped in 2002 as I just couldn't get ahead. They were charging me more than I could pay each month and I stopped paying. Numerous collection agencies came after me, but as soon as I asked for validation - I never heard from them again until a new one started up again 6 or so months later. I have heard nothing from any collector for at least the past year and a half. I was just waiting for it to go the 4 years and then send out sol letters to anyone else who might attempt to collect on it. Now - here comes the odd part. About 4 weeks ago I began filing with the 3 bureaus to dispute an item on my credit report that was not mine. In the past, I disputed the cross country bank as fraudulent charges, which was posted as a statement on the report. All of a sudden, I get a letter addressed to "The Estate of [my name]. The letter is offering condolences on my death and if a relative of mine could supply them with my death certificate, and asj that the executor of my estate fill out a form they attached stating the details of my estate and how they can file to get paid!!!
Where they ever got this information from is beyond my wildest imagination! Never have I professed to have died to any credit bureau!! What they heck do I do now with this????? Any suggestions will be MOST appreciated. My biggest worry was that the collectors would begin to start up again and I would have to keep on validating as I've done in the past. Do I have to tell them I am alive and I don't know where in the heck they got this info from (obviously one of the cra's who I was disputing the matter that was not mine), or do I just ignore this and hope I can wait out the sol?
Alive and breathing, I thank anyone for any help.
