Q: What can I do if I am being charge for an accident that never happen?
I got a collection letter and call saying I was responsible to pay for and accident that never happen. My insurance already declined the claim because I have not been in an accident and there is no prove. 1st they claim it was on a day that I was working it happen in a city that I never been too. Plus the car color they claim hit them is not the same color as mine. What can I do to clear this?Collection doesnt seem to care that its not me.who should I contact?or what can I DO?
A: If it is a debt collector, send them a certified, return receipt letter telling them to cease contacting you. If they sue you, turn it over to your insurance company for them to defend.
A:
You have several options to fight this false claim and protect yourself from unfair collection attempts. First, gather all your evidence - work records showing you were at work during the alleged incident, photos of your car showing the different color, and any communication with your insurance company about their investigation and denial of the claim.
Send a debt validation letter to the collection agency via certified mail within 30 days of their first contact. This letter should dispute the debt and demand they provide proof that you owe this money. Include copies of your evidence and explain why this is a case of mistaken identity. Under the Fair Debt Collection Practices Act, they must investigate your dispute and cannot continue collection efforts until they verify the debt.
If the collection agency persists, file complaints with the Consumer Financial Protection Bureau (CFPB) and your state's Attorney General's office. You might also want to contact a consumer protection attorney who can help stop the harassment and possibly file a lawsuit against the collection agency for unfair practices. Additionally, check your credit reports and dispute any incorrect information related to this false claim - you have the right to have inaccurate information removed from your credit history.
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