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Author: Lurker1999 Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308542  
Subject: Question about debt collection call Date: 8/14/2013 1:13 PM
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I just received a call on my cellphone from a debt collection agency (First Source Advantage) which identified me by name regarding a debt. They gave me an account number on the voicemail. When I called them back they refused to provide more information without having me disclose my birthdate to them which I refused to do.

They claim to have sent me a letter which I never received which seems to be common practice looking on the internet about their practices.

They also misidentified my address in a very specific fashion that I managed to tie to one particular business (which is the only one that's ever misidentified the address in that way). I called that business and spoke to their financial department today which indicates my account is paid in full. Beyond that I have no outstanding debts besides some revolving credit cards that are paid monthly. None of my legitimate creditors have ever been in contact with me and they all have my correct address and phone number.

Normally this wouldn't be as time sensitive but I'm in the process of obtaining a mortgage and taking the time and energy to peel a new and erroneous entry off the credit report is going to delay or derail things potentially.

I am sending First Source Advantage a certified/return receipt cease and desist letter as I'm certain they'll continue to call based on what I've read about them on the internet.

I had some issues getting my credit reports recently through the web based system because they couldn't identify my address despite my having lived there for over 10 years but I'll go ahead and get a credit report from all 3 agencies now by mail.

So, what should my next steps be?

Is credit monitoring worth the expense?
If an erroneous entry appears on my credit report how do I go about expediently having it removed from my credit report?
How do I identify this supposed debt they are calling about without divulging more information then they already have about me?
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