This isn't that hard. Just send a letter to the CRA asking them to verify the tradeline. This is within your rights (read the FCRA-- it's at www.ftc.gov). Since the collector already has your money, they probably won't even bother to verify it, as that takes time away from what they do for money-- collecting debts. If it's not verified within 30 days, voila, it's gone. If they do verify it, you have the right to demand to know exactly how it was verfified. Again, this is within your rights and doesn't involve any sort of lying or fraud. You might also referemce the following ftc opinion letter: http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htm Notice that the FTC specifically says that a mere printout doesn't cut it. They need something with your signature on it to prove they even own the account? Notice not once have I suggested that you claim that the account is not yours. You are merely putting the burden of proofon them, where it belongs. If I walked up to you at the mall and demanded the money you owe me, because I say you owe it to me, wouldn't you ask for a little better proof than that? If they can't prove that they actually own the account that they demanded money from you on, by way of a wet signature, then they must drop their tradeline on your CR. If they continue to verify, yu have grounds for a Small Claims action against them, per the FCRA and FDCPA.
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