Colorado  |  Credit and Debt Law

Legal Question

Asked on: 7/24/03, 8:51 pm

Harrasment for 12 year old charged off debt

I received a call from a collection agency asking me to pay a debt that was charged off/last activity in 92.I have not heard from them for almost 12 years. They are not original debtor. He stated that it fell tough the cracks and that he has a right to harrase my credit,meaning put an inquiry every 30 days to ruin my credit score. Also he said he is not a collection agency but financial aquisition company. I have a perfect credit now. There were no judjments. He also stated that they could not find me - I lived in the same state all my life and always had published phone#. I checked and found my address and phone# very easily over the internet. They seem to be lying about few things. Can they do anything to my credit or my credit score? Do they have a right to put inquiries without my premission on my credit report every 30 days in order to lower my score?How can I put a complaint and stop calls and letters? Thanks!

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