Do collections agencies have access to 5 year old cell phone records?

Question

im trying to get a credit card to establish credit but when my credit was ran a 3500!! phone bill showed up. THey are telling me it was definelty from me. I had a cell phone with this carrier yes but I NEVER racked up a bill like this. THen they are sayibg somehow my dads names is on the account which doesnt makes sense he never signed and i never signed for him. Is there a way to go back that far ago and look at the calls and how these charges accrued?? I called cingular and they cant find me in the system but the collection agency has theyt said i have to file for fraud i just dont know what to do i nkow these collection agencies just want to get paid HELP!!!!!!!!

Answer 1

Send them a letter via Certified Mail + Return Receipt  to this collection agency stating:

Per the Fair Debt Collection Practices Act, I am requesting:

- written validation of this alleged debt

- complete summary of phone changes made on this account

Answer 2

u need to investigate this, remember as they tell u the computer says u did x, y and z that information was entered by a person and people make mistakes. u find that bill and get copies of who signed what, when and where u get that off your report if they made the error.

Answer 3

You need to send them a validation letter.  They have to prove that this is your account.

Answer 4

Sounds  like  ID   fraud ,  Verizon  is  more  preventative  about  it  but  

Some  of  the Other  cell  phone  companies  give  cell  phones  to  anyone  who  can  give  them  a  SSN  &  a  few  bucks .

( I  think  the  salesman  rack  up  commissions  that  way )

Get   the  info  and  contest  it  if  it  was  NOT  you .

Get  the  billing  address  for  the   account  that  was  put  in your  name   and  you  will  probably  find  you  never  even  lived  in  that  town  !

Then  take  the  info  to  your  local  police  with  your  real  address  ( like  on  your  drivers  license )  and  file  a  fraud  report ,   then  send  it  to  ALL  the  big 3   credit  agencies  and  the  collection  agency .

Good  Luck

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