by SuperTO84 » Mon Jul 27, 2009 05:46:59 PM
So this is my situation. I had a line of credit with HSBC when I was doing my undergraduate degree. I paid off my account in April of 2007. The branch I paid my amount to closed soon after. About 6 months later, a credit agency calls asking for money. I ask for what? And they state that I have not paid my account and that a balance of $400 remains. So I go to look for another branch near where I live and they tell me that they have no records from the closed branch and wont' be able to verify anything. So after about 6 months of harassment, I finally ask them to take me to court, and after that the calls stopped.
Today, I receive a call from a guy that works at Contact Resource Service. He calls me and tells me that I'm stupid and that I am wrecking my credit. At first I was confused and did not know what he was talking about and then he tells me that I owe $600.00 on an HSBC LOC. I freak, I'm like that issue was closed off. So he tells me that he acquired this account from HSBC on the 13th of July. First he calls me leaves a message, and then I call him back and he calls me an idiot and tells me I don't know anything, I'm too young to know anything. I have an excellent credit history, and this issue has not ever given me a problem with my credit report. So I tell him to stop calling me and take me to court. He calls back as soon as I hang up and tells me that I'm stupid.
After talking to me, he calls my parents who live 500 km away and tells them that he is putting this debt on the deed to their house! I don't live with my parents, and haven't done so in 6 years. I'm 25 years old and work full-time as an engineer. He threatened my parents, so I called him back and told him he does not have the right to contact my family whom I am 100% independent from. He is like don't worry about it, this will be on the deed and I will call as many times as I would like because you really can't do anything about it.
As soon as I saw this, I went equifax and looked at my credit report. Something I saw astonished me, my current address got changed to my parents address, and my previous address now states my real current address. Is it possible for him to actually change my address to my parents address? And add this to their deed? I dont' want to pay for something I do not owe, I have great credit, but also a great deal of pride and refuse to let someone take money from me when I don't owe it.
What is the right process to get this guy off my back? First time I returned the call, I got his full name, division and phone number, I don't know how good it is.
The other thing I saw was, on my credit report it says my HSBC LOC is closed and paid in full. And their are no outstanding collections on any account. So I really don't know what I have to do to tell this guy to stop. Any help you guys can provide will be really useful.
Thank you kindly,