Apparently I am not the only person in this case. It is when I received a credit line reduction from my credit card company that I discovered that this debt collector had posted an alleged unpaid debt on my credit report. I don't even know what this alleged debt is for because I paid the balance of my account when I moved out from my apt. I even gave them the address where I moved in, so they have my address and my phone number.\r
What they did is a violation of the Federal law (FDCPA). They want to recover money by even not spending any time to send a letter or a phone call as it is required by law. I do not see the point, bad faith, incompetency??? If people owe money you first try to recover from them before posting their debts on their credit report. Apparently this is not how they proceed and it is illegal. I already sent a letter to the reporting agency to investigate and I was checking their address in order to send them a letter today when I saw all your comments. Because of the so outrageous violation of the Federal Law (and Texas Law) they may be liable for damages. And by the way I don't think this certain Kyle Reed you're talking about is an attorney because there is no such a person registered as a licensed attorney. Always check on the Texas Bar Association if a person pretends to be an attorney. If you have an issue with them you may want to talk to an attorney, there are some of them who do not charge for the first consultation. As far as I am concerned if they don't remove the alleged debt from my credit report and don't compensate me for the violation and the damage they caused I am willing to let an attorney handle this situation.
Cons: I am wondering if they even know the law
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