Legal Question in Credit and Debt Law in Alabama

Order your credit report and review it to see if the accounts are reporting. Then, you should send a dispute to the credit reporting agencies (Equifax/Trans Union/Experian) who are reporting this debt and ask them to remove it. Do a detailed dispute letter, identifying the accounts, and also in that letter let them know of the damages this has caused you. Make sure you provide evidence of who you are, copy of DL, SS# and card. Send this by certified mail and make sure you save copies of everything. The agencies have 30 days to respond. If they dont remove the debt, then you need to contact a lawyer in your area who specializes in these kind of cases as now the agency and the creditor are in violation of the Fair Credit Reporting Act (FCRA) and possibly other consumer protection statutes. My firm handles these but there may be someone closer to you. Also, dispute the debt with the collection agencies as well. Good luck.

You also may be able to block their claims with normal contract defenses. The credit report bureaus may comply with the law and fix your record, but the collectors may still go after you for the debt and try to get a judgment. If you are served with a complaint, talk to a lawyer about defending yourself.