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Submitted: 1/13/2007 4:59:59 PM Modified: 1/14/2007 11:27:04 AM

They billed me recently for a non exsistant debt As part of this they show on the bill two addresses and phone numbers which I think are new to this aite. In addition to the one reported above, there is this one: PO Box 18006 Hauppauge New York 11788-8806 I don't know how to straighten out the various credit bureaus so I would appreciate anything you could tell me. DWL anywhere, Illinois U.S.A.

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Rebuttal Consumer Suggestion Submitted: 1/13/2007 5:48:30 PM Modified: 1/13/2007 7:36:16 PM

THE PO BOX APPEARS IN LETTERS OF "AWARDS" TO PEOPLE IF THEY START PAYING THEM

See budhibbs.com for a sample letter with that address The physical address may well just be a satellite office. Others will respond with specifics but you need to advise the company IN WRITING ***DO NOT TALK TO THEM** you deny the debt and for them to validate it. (since it isn't your debt - they can't validate it to you....) Do not sign your sign your name - print it. As Steve and others have pointed out, with a sample of your signature they can forge documents. Send the letter certified and in the letter put the certified number on it and send it return receipt requested. They have something like 30 days to respond to your request for validation. You might also want to notify the credit bureau (sorry "information management company's" that this is not your debt. Others will be by shortly with some excellent counsel for you .... P - Dallas, Texas U.S.A.

Rebuttal Consumer Suggestion Submitted: 1/14/2007 9:55:44 AM Modified: 1/14/2007 11:27:04 AM

The ONLY way to do a credit bureau dispute.

When you do a dispute to a credit bureau, you MUST hold them accountable, or they will do nothing but send a mesage to the creditor/collector which always comes back "verified" and the item remains unchanged. In your dispute letter, you clearly dispute the debt, AND exercise your rights under the FCRA to get copies of all communications used in the dispute/verification process. Send this letter by certified mail, return reciept requested. be sure to put the certified# on the letter itself and keep a copy for your records as it proves exactly what you sent. Now, when they fail to fix the problem you have proof of the violation of your rights, and you sue all parties involved and get paid. STAY OFF THE PHONE!! Steve [Not A Lawyer] - Bradenton, Florida U.S.A.