- Jurisdiction
- California
Thanks in advance.. Well here I go, last year I recieved a letter from a collection agency claiming that I owe a balance to AT&T… ($950). So I did my research and I did the following: I responded back accordingly (before the 30 day period) meanwhile I filed an Identity theft report and obtained a FTC report number also at that particular time also I filed a police report in regards of identity theft and in the report to the police I explained that an account with AT&T was opened using my social s #. But going back before going to my local PD I obtained all 3 credit reports and sure enough I saw "a spouse I have never met lol " and also a couple of residential addresses I never lived on or visited at all and not to mention an inquiry from AT&T (but not an open account on my report )…so on one those residential addresses I believe that that AT&T account was created by the spouse that was on my credit report.. so I went ahead and contacted trans union and dispute/to be removed the spouse name, the residential addresses I never lived on, the AT&T inquiry…and also the inquiry left now by the collection company that obtained my info from my credit report.. so after a couple of letters I sent to the collection agency they stopped the collection process. (I explained to them on those letters that the account wasn't mine and that I have never signed any agreements with AT&T to recieve their services and that I had filed and got and FTC report number and that I filed a police report.
Now moving forward a year later….just a week ago "another collection agency" sent me a collection letter in regards of the same AT&T account. Now I went ahead and checked all of my 3 credit reports again and now I don't see the AT&T inquiry on my report I had before (because I disputed it along with unknown spouse, etc).But what I do see is this Collection Agency that made an account review inquiry back in early 2021 and another account review inquiry dated today.. 8/23/22.
So at this point I'm here just ready to reply to this letter I got last week the same way I did last year with the other Collection Agency but I'm here also thinking is this crap going to happen every year now??! Are these scammers? ( because on the back of they letter they offer to settle for half the original amount)!
So my question is should I reply or ignore? Because eventually they will not get a penny out of me. But this is now stressing me out! Any pointers? Attorney time?
Thanks again and sorry for typos!
Now moving forward a year later….just a week ago "another collection agency" sent me a collection letter in regards of the same AT&T account. Now I went ahead and checked all of my 3 credit reports again and now I don't see the AT&T inquiry on my report I had before (because I disputed it along with unknown spouse, etc).But what I do see is this Collection Agency that made an account review inquiry back in early 2021 and another account review inquiry dated today.. 8/23/22.
So at this point I'm here just ready to reply to this letter I got last week the same way I did last year with the other Collection Agency but I'm here also thinking is this crap going to happen every year now??! Are these scammers? ( because on the back of they letter they offer to settle for half the original amount)!
So my question is should I reply or ignore? Because eventually they will not get a penny out of me. But this is now stressing me out! Any pointers? Attorney time?
Thanks again and sorry for typos!