Dealing with CA MCM debt collectors

[ponchik]

CA.
A California based collections company bought 'my' T-Mobile debt back in June. As soon as they notified me, I rebutted with the standard DV letter. They took 37 days to respond requesting information to 'aid their investigation'. Also stating they requested the 3 credit bureaus, to change status to "disputed". Another side note, my first name on file with MCM is not my legal name but my nickname. The T-Mobile account was opened by someone I knew nearly 5 years ago. What do you guys suggest I do at this point?

Thank YouWhat is the name of your state (only U.S. law)?What is the name of your state (only U.S. law)?

 

[justalayman]

Is this your debt or not? If it is, paying it would be the thing to do. If it isn't, there isn't much you can do unless they take some other action.

 

[ponchik]

Whether this debt is mine or not depends by what you mean. I never signed up for T-Mobil in my life. Yet the debt is under my last name, so legally no one but me is responsible for it, especially according to MCM.

 

[justalayman]

ponchik;2893562]Whether this debt is mine or not depends by what you mean.

I mean exactly what I said:

is the debt yours or not?

I never signed up for T-Mobil in my life.

Then I would say the debt isn't yours.

Yet the debt is under my last name, so legally no one but me is responsible for it, especially according to MCM.

Just because somebody entered a contract using your name, it doesn't mean it is your debt or that you are responsible for the debt. Identity theft happens every day but the debt does not become the named persons debt just because their name was used.

If your identity has been stolen, you need to make a report with the police and all 3 main credit reporting agencies and check your report to see what else may be amiss and to report you are a victim of identity theft.

I don't know how you know who did this but it should help the police catch the guy if you do know who it is and can support that statement.

Then, once you have done all of that, contact T Mobile and tell them you have been a victim of identity theft and it was not you who made the bill with T mobile.

 

[racer72]

One caveat, if you ever paid on the debt in the past, it is now yours. That means you accepted the fraudulant application as yours.