You don't need their name or extension to report them. You are not supposed to call before 8am and not after 9pm period!!!!! I work for a telecom company in an engineering division so we do mostly repairs and so forth and unless someone tells us please call me at midnight....no way in hell we are calling after 9.
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Anyone ever challenge collector under Fair Debt Collection Practices Act?
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Yes! I have disputes in right now because all my open C/O accounts on my credit report have had thier dates changed to 2006. Once I get the disputes back in writting that they will not change the dates back, I will be taking legal action.My credit scores:
Before Filing: Tr 496, Ex 496, Eq 507
Today: Tr 618 (+122), Ex 601 (+105), Eq 623 (+116)
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