a company sent my name to national credit department to be black listed for no reason can i sue them?
86602
YOU CAN SUE FOR ANYTHING, BAR NONE! However, if you can show there is no good reason for their untrue and negative written statement about you they shared with another party, then you have good grounds for a liable suit. Further, if you can show you have suffered injury or damages as a result, then you have a very strong case. \n\nWARNING: The courts are secretly biased towards corporations and lawyers/barristers will only take you for your money. If you want to persue this I would do it myself or retain on a strict contingency basis only.
200486
They will be happy to get whatever you are willing to give them.  Suing people costs money, if they can avoid it they will.\n\nI would call and arrange a payment schedule with them.  Then, you can stop worrying about it and they will know that they can expect a repayment.\n\nDo it soon, I am sure this is KILLING your credit!
511076
This is an easy problem to fix, so if you are in need feel free to contact me and I'll guide you through it.\n\nI'm going to bet this is just a screw-up on the credit reporting agency's part.  They put this report into the wrong account.  When they don't have enough accurate information (like date of birth or Social Security number), it can easily be misfiled.\n\nIf you follow my instructions this should be taken care of quickly.  Call the electric company and explain the situation.  Talk to the supervisor, not one of the collection department idiots!  \n\nIMPORTANT!  Tell them that there is a report on your credit history stating you owe them money.  Tell them that it's incorrect, and that it is effecting your ability to rent an apartment or get other credit.  DEMAND that this be removed immediately.\n\nIf the supervisor has half a brain, he/she will realize that you have an excellent lawsuit against them for violating the Fair Credit Reporting Act, and they can be sued for damages resulting from this report.  They will then do a fast investigation and get this removed from your history within a few days.\n\nBut you need to cover your bases.  What happens if they drop the ball, and the listing still doesn't get removed.  \n\nYou need to follow the procedures set by the FCRA to protest this listing.  That involves getting a copy of your credit report from http://www.annualcreditreport.com and then protesting the negative report to each of the agencies.  Also send a "demand to validate" the debt to the electric company.  \n\nThe problem with this method is that it's time consuming, and could easily take a few months to complete.  \n\nSince I'm fairly convinced this is an honest mistake, I think calling them first will work.  But get those letters in the mail anyway.\n\nIf you still can not get these removed promptly, and you can prove they are incorrect, don't be afraid to sue them!  It's easy, and in your case you could easily get several thousand dollars in damages.  \n\nRead the links below.  Don't be afraid to get tough with them.  Contact me if you need help.
269621
You, as an individual, can not place something on a credit report.  They don't allow it.\n\nYou could turn it over to the collection agency, but they will charge their collection fee.  \n\nIf you successfully sue them, then there will be a judgement filed in public record, and the agencies will pick up on that.   \n\nAs for needing a SSN, it's not always needed. They will compare address or other criteria to match the correct person to the record.
856186
Politely ask them to send you a copy of the contract, so that you may see it.  There is a possibility that they bought a contract from another company, and you do owe the money.  If they refuse, or you find that there is no contract, try contacting the three major credit reporting companies, and tell them what is happening.  Then if InPhonic reports a problem, they'll have your side of the story first.
1159668
When it comes to legal matters of this sort--one has to be very specific on details-------First-hopefully this company is within the same state in which you have residence--if this be the case--call the state's Attorney General's offices and they will assist you in making a formal complaint and council you on your options (in some states they will do this for you even if the business your having problems with is an out of state address)----if it is not in the same state  as you ---you may need to go to the Federal Trade Commission  (FTC) to get satisfaction--------in any case---and not meaning any disrespect to those who have answered in the manner---the BBB is not going to give you satisfaction in this matter--all the BBB does is take the report--contact the business in question and give them a chance to file a report on their side of this story---if the business files that report---BBB will file it along with your complaint and log it as a settled matter and that will be that---they do not advocate--council--negotiate--or seek legal actions against anyone-------------have all your records of contracts--reciepts and other correspondence handy when you contact the Attorney General's office because --once you get the person on the line that will talk to you about the specifics--they more than likely have alot of questions and will want to know particulars that only the paperwork will provide-------------Hope this Helps---------Now----Go Nail the Bastards
1027331
Thats all a company has to report, verified or updated.  The easiest thing to do is look up the company on the BBB so you get the top guys name, number and address.  Write them a letter requesting validation.  They have by law 30 days to provide validation or they are violating the FCRA, Fair Credit Reporting Act and may be subject to penalties and fees.  This way has always worked for me, they end up removing the item to avoid any hassle.
90834
If they aren't asking for you by name, tell them that no one by that name lives at your number, that you have had that phone number for (tell them in years/months, however long it has been). Be polite and offer to answer any questions they have. Then ask them to please indicate in their records that they do not have the correct number and to please stop calling you.\n\nGenerally, if you are polite and helpful to them, they will stop bothering you.\n\nIf, however, they are asking for someone with your name, you may be a victim of identity theft. Get as much information from them as you can about what was purchased, when, where and what information the person gave when making the purchase. Check your credit report and see if there is activity on it that is not connected to you. If you do have a case of identity theft, you have more problems ahead of you getting it cleared up.
1047438
What you need to do is dispute these reports with the credit bureau.  What they are doing is illegal and if these reports are not removed, you can sue them in small claims court for $1000 for each entry!  <cha-ching$$$>\n\nBut you need to do it right!  So follow these instructions.\n\nSend a dispute letter to the credit bureau listing these entries and point out these are duplicate entries. \n\nThe Bureau will then contact each of the creditors and "verify" that the debts are valid.  If they get no response the report is deleted.  If they respond back and verify the debt, the report stays on your history.\n\nAt the same time, send a "demand to validate" letter to the creditors who are listing these entries.  Demand that they send you copies of contracts, bills, receipts, and anything that was used to calculate what they claim you owe them.  They have 30 days to respond.\n\nIf they do not send this, send another letter to the credit bureau and demand the listing be removed due to "lack of validation".  \n\nMake sure you send all of these letter by certified mail to prove you contacted them.  \n\nIf the listings are still there, file a lawsuit in small claims court.  It's easy and doesn't cost that much.  \n\nI had to do the same thing to get an inaccurate listing removed from my record, and won $1200 for my troubles.  Don't let them push you around!
328114
That stuff is listed in phone book; as long as you didn't give out info like ss#, bank accts., credit cards, you will probably be okay.  If you are that concerned you can call one of the credit bureaus and ask what their policies are on unusal activity regarding your credit.  If you report it ahead of time this may help you with any liabilities in the future.  Good luck.\n\n I hope you didn't give any bank info to this man.  If so, call your bank tomorrow and explain situation.  Cancel acct. and wait to reopen a different one till you call soc sec..  Call soc sec. office and explain what happened and that your # and info may have been compromised. They will probably have a new one issued to you.
557633
You need to take the time to read the Fair Credit Reporting Acts and the Fair Debt Collections Act.  The reason you are having a hard time with these boneheads is because you don't know the law, and they are running all over you!\n\nI've posted the relevent parts below that will help you out.\n\nFirst, when you contact the collection agent, you must do so IN WRITING to prove you sent them a letter.  Be sure to state you want to have your debt VALIDATED!  This is very important.  Once they receive this letter, they must reply within 30 days.  Their reply must have PROOF that you have a legal obligation to pay this debt.  That means contracts, bills, receipts, and everything used to calculate what they claim you owe.  Also be sure to include a cease and desist warning, with warning about posting anything to your credit report while this matter is in dispute.  Once that is done, they can't do anything until the debt is validated.\n\nIf the fail to supply this information, and post negative information on your credit report, they will be in violation of the Fair Credit Reporting Act.  Whether the debt is legal or not, posting unvalidated reports is against the law and you can sue them in small claims court for $1000 very easily.\n\nIf they validate this debt, and it does appear you owe them, then pay the bill.  By law, the Collection Agency can not post anything to your report within 180 days of the date of delinquency.  (that's six months to you collection agents reading...).  \n\nI would also follow through with a negotiation demand that if you pay the bill, they will agree IN WRITING not to place negative information on your credit report, or remove anything that they did place.  Do not actually make a pledge to pay, or you may be restarting the clock on the Statute of Limitations.  Do not acknowledge that you owe the debt.\n\nContact me if you need any advice or encouragement.  I am not a lawyer or credit counsoler, just someone who likes to get under credit collectors skins.
296469
I'd see about filing a complaint with BBB onine.\n\nhttp://www.bbbonline.org/\nhttp://www.bbbonline.org/consumer/complaint.asp
669249
There are ways to get rid of some listings, but not all.  \n\n\n-Get copies of your credit report at\nwww.annualcreditreport.com\n\n-Examine your report very carefully for errors.  Incorrect balances, wrong reporting dates, anything that you can use as a basis to protest the entry.\n\n-Send a protest letter to the Credit Reporting Agency (CRA) that has the report listed. They will "verify" the debt with the creditor, and must respond back within 30 days of the result. Note that "verify" only means that the creditor just has to inform the CRA it is a valid debt, and no proof or documentation is required. This is what most likely will happen. At this point you can send the CRA a letter protesting the entry, and they must put your statement on the record.\n\n-Now send a "validation demand" letter to the creditor. That means the creditor must supply copies of all bills, contracts, receipts, and anything that was used to calculate what they say you owe. The must demonstrate you have a legal obligation to pay. They have 30 days to respond.\n\nIf they do send this information, examine it carefully. If it's correct, decide if you still want to go to court. This is the information they will use to defend themselves, so if you have a case you can now take it to court.\n\n-If you do not get this information within 30 days, send a copy of the validation letter, plus another demand to remove the credit entry to the CRA, informing them that the creditor has violated the Fair Credit Reporting Act. If the CRA still will not remove the entry, you now have grounds to sue the CRA as well.\n\nBe sure to send all letters by certified mail, keep very accurate logs of when they are mailed and who you talked to. It is NOT necessary to send them by certified mail, return receipt. Your receipt will prove you mailed it, and the tracking number on it can be traced to show it was delivered. That will save you a few dollars in postage.\n\nContact me if you need more help. I am not a lawyer or credit counsoler, just someone who has been through this many times before (and still doing it!).\n\nYou are about to go to war! Knowledge of the law is your only weapon! Don't fight these guys unarmed! Read the links below.
714749
i don't think so. i'd seek legal advice, if i were you. you authorized the loan company to make debits, not so and so collection agency. they can sue you, but that's the point, i believe. they would HAVE to sue you to get their money. (if you didn't pay them, of course.) look into that. i also believe you have the right to settle your debt with the original loan company. if you do this, i don't believe you have to deal with the collection agency. they were essentially hired to harrass you and believe me, they will, with a vengeance. they are merciless. when you think about it, it's kind of like a loan shark that has hired a thug to beat you up. but, i would really seek legal advice. i used to work in a credit union and i would see all the time, people that claimed to have paid back loans and were still being debited. be careful.
630132
maybe they sent it to your bank .  some companies do that ,  as you will have to sign a credit agreement.
306840
Just about all of the above answers are correct.  Any time you give your number to a business it can eventually filter down to your credit report.  I'm willing to bet the cell phone company gave it when they did your credit check.  \n\nEither way, it's simple to get them off your back.  Send them a cease and desist order telling them not to call you again.  By law, if they continue to call or harrass you, you can sue them for violation of the Fair Credit Reporting Act.\n\nThe reason they do this is because consumers don't know the law, and they constantly get away with violating it.  Read the law and protect yourself....go to the links below.
320572
If it is on your credit report it should have a phone number or address to contact them. If not just dispute it and have it removed. If you can't contact them neither can the credit report company. Poof it will be gone.