I received a call today. I was told 2 charges of fraudulent activity. I returned the call and was asked to verify my information which I refused. The individual stated that due to government regulations they could not disclose information to me and I would receive a summons at my place of employment or my home. I informed the individual that it is against the Fair Credit Reporting Act and any attempt to collect a debt must consist of a proper notification in which I was told "This is your notification" I informed him that his company is legally obligated to inform me of any debt in writing and give me at least 30 days to respond. At which time he proceeded to get mean and I told him good luck finding me and I will be reporting them to the FTC. I do not currently know the name of the business but I will find it as I have many many time before when companies have tried this. I have studied business and finance law and am well aware of my rights. The minute you mention the FCRA and the FTC they will put you on hold or hang up on you.
