Re: Gulf State

Posted by Danielle on November 01, 2001 at 14:23:01:

In Reply to: Gulf State posted by Kevin on November 01, 2001 at 12:08:20:

All I can tell you is that I had the exact same
thing happen to me this week. Not only did a
collection from Gulf State for ATT, in the
amount of $89.00 show up on my report... one
for 356.00 showed up on my husband's! The
thing is, we have never even lived in an area
that offers ATT broadband service. I called
ATT yesterday and verified that they have never
heard of me.
My course of action thusfar has been to
bypass these creeps all together. I filed a
dispute with Equifax, and told them to
investigate. The end result should be that it's
removed. The law states that the collection
agency has to be able to *verify* the debt in
order for it to legally appear on your credit
report. Since I know for a fact that they will be
unable to do so, since I've spoken to ATT, it
shouldn't remain.
The main point being, you don't have a bill
with these people to begin with, so don't deal
with them. It is the responsibility of the credit
reporting agencies to report accurate
information. If the info that is on your report
now is inacurate and can't be verified, they
have to remove it immediately.
If they don't remove it, write or call them again
and request that they get written proof from
Gulf State as to the origional debt. When they
can't provide it within 30 days, it will have to be
removed.
My experience talking to equifax was that they
have no interest in us having bad credit,
therefore no desire to fight us.
Good Luck to us both!

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