I was stripping at 21, making $370K

Hi, I have this little issue that I need help with....

Sent validation letter to CA, received response that they would discontinue collection until validation had been obtained and sent to me- they removed from report. Few months later, I receive a letter stating they have now fulfilled obligations under 15 USC 1962 (g) and may now continue collection.

So-called proof contains no accounting statement, shows absolutely no payments made. Proof sent is a contract, on OC’s letterhead (a gym that has had PLENTY of issues against them including an FTC lawsuit).

The contract has my signature and an old address listed, however, all the other info is wrong such as:
- Wrong SS#
- It has my name, plus two other people listed as members with the same last name as me
- Occupation listed as STRIPPER -- wft is that about?????
- Annual income of $370,000.00-- according to this contract, I was 21 at the time of signing with an income of $300k. How many freaking 21 year olds do you know making that money??

So in essence, this is a fraud contract and clearly without accounting statement it’s not validated. Any suggestion on what route to take? Oh and they do not have an active license to collect.

Any help you be greatly appreciated- thanks!!

it sounds like somebody lifted your identity and created credit accounts using your name and social security number. this is a criminal matter, which should be reported to police and federal authorities, such as the fbi. contact the repositories immediately [experian, transunion, equifax] and tell them what happened. it is quite possible that the perpetrator could be arrested and made to answer in court and even face a prison term for this type of fraud. the gym where you had membership could also be held at least partly responsible for monetary damages. a year or so ago, an al-qaeda operative was arrested at a bally's gym just 2 blocks away from my office for stealing clients' credit card numbers, making phoney charges, and sending much of the proceeds along to his terrorist friends. some of the victims were colleagues i see and work with every day. when they took him away, he was sent to new york to face federal charges that could pack him off to uncle sam's forever-forever land.

$370,000 is a bit optimistic, but certainly not excessive for what a hard working whore can make in a year, especially if she is doing her own thing without paying overhead to a pimp/escort service. they advertise everywhere, even in the yellow pages. my father paid for my sisters to go to harvard and smith college- while they were there, they knew girls who paid their way through on the cunt, and then landed good jobs and gave up prostitution after graduation. my father also paid for me at harvard, until i got full scholarhip for my junior and senior years, at which point harvard picked up the tab, including a $1000 monthly stipend and health insurance--:). this was before aids was known as anything other than a mysterious gay men's disease, so it's a mighty good thing i was never homosexually inclined. i could have probably made $370,000 as a prostitute while attending school if i were, but would probably not be here today to complain about FICO and try to bring down the most aggregious affront to the american consumer to hit the market since thalydomide sleeping pills and the great cancerette ad campaigns of the 50's. the only difference between then and now is that back then, you had the choice of what to smoke, or not to smoke at all. same goes for contraception. today, unless you're mega-rich and pay cash for everything, FICO is going to dictate whether or not you ever can borrow, what the terms and conditions of your loan will be when you do borrow, and guarantee most lenders the legal pretext to charge you alot more for money you borrow, without your ever knowing the difference. silence is golden, at least in libraries and funeral parlors--- add to that lending, because chances are, if you borrow money today, FICO is jacking up your monthy payments, and if you don't do one hell of alot of research on the subject, you'll never know just how much they're chiseling away from your rights, dignity, and financial future.

read my postings-- i'm to exhausted to rehash it every night, and i'm sure the regulars here have had quite enough of it, 2.

:( :rolleyes:

Swede, I needed a laugh! :)

"So in essence, this is a fraud contract and clearly without accounting statement it’s not validated. Any suggestion on what route to take? Oh and they do not have an active license to collect. "

As Doug mentioned Bally's, I guess that's who we're talking about?

The contract alone is not validation of the debt. If it's not your sig, you dispute it as fraud.

If it is your sig and you had a membership, then you dispute the amount owed.

And then there's the issue of that incorrect info on the contract - very odd.

The consequences of collecting w/o a license vary by state. Whether you can use it to get the account closed and deleted depends on whether the collector owns it.

Yea it's funny as hell, I was laffing myself when I saw it... :) I can only wish I made $350k/year. If I did, I probably wouldn't have a problem paying off a $450 debt...

Anyway, thanks for the replies guys. But of course it's good ol' Bally's at it again.

I did have a membership and the signature is mine but the info on it is incorrect- odd indeed. It's not validated by far, no payments or charges are included and identifying information is wrong.

Do you think I should send a letter outlining what is incorrect on the contract or simply say "you morons have no validated, please try again"?

It's not back on my report yet but that's probably just a matter of time...

if it comes back, pop 'em in small claims court for $1000.

bally's did fire that al-Qaeda guy who went out in shackles, so i'm not saying anything against them like i do {UN}fair isaac---:rolleyes:

Swede wrote:

"Do you think I should send a letter outlining what is incorrect on the contract or simply say "you morons have no validated, please try again"?"

This is a tough one. You could write that there is some info on the contract that does not pertain to you, and that the contract itself does not evidence a debt. Add something like:

"Validation MUST include complete accounting."

If you don't notify them that the account is NOT validated, they CAN report it again and you'd have to file a federal suit to get it figured out. They'll argue that they validated by sending the contract unless you notify them otherwise.

If you have proof that you notified them and that you requested accounting, you definitely have them on an FDCPA violalation if they report it again.