Is it a violation of  privacy for someone whom you owe money to turn your  information over to a collection ag
367334
Sorry but it is not against the law. Did you sign any paper that made it legal i.e. an i.o.u.? If you did and have chosen not to work things out with the person you owe money then they have a right to either take you to small claims court or hire a collection agency to recover their money. In either case, it would get reported to the credit bureaus. Think about it this way, if the person hadn't done that and the background check had passed then you would have never known that other people are illegally using your social security number. The person did you a favor in a weird sort of way.
1003795
Generally they will get you to provide them with contact information and they will confiscate an asset of yours as collateral in case the info is wrong
692683
Be very careful of these credit/collection companies. Many of them are scams who will get personal information out of you and steal from your credit cards or bank accounts.\n\nDeal with the company you actually owe the money to: if the credit/collection company doesn't know your name, won't provide clear information on whom they are collecting for, or asks you for your checking/savings account number, then don't give it to them. \n\nSometimes, these scammers will auto-dial you, so they won't even know your name or telephone number. Hang up on them, and don't let them intimidate you. They make themselves sound official and threatening.\n\nIf they try to pull any shenanigans with you, threaten them back by asking for their phone number, contact name, and you can use the *57 feature on your phone to trace the call.\n\nDon't fall for these scammers
35518
The Department Of The Treasury's Financial Management Service, who processes refund payments for the IRS, will notify you if they are turning over an overpayment to whoever holds the paper on your loan.  It is this agency, and not the IRS, that would have this information.  They notify the IRS that the amount was taken, but not by whom.\n\nNote that this withholding would only happen if you are indebted to the federal or other government due to their guarantee of your loan.
349172
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
932631
Collection companies are dirtier than the Mafia.  I mean, these guys are truly the scum of the earth.  They will do and say anything to get your money, and have no guilt when they don't follow through on a promise.  In the future, always get the settlement deal in writing before you make a payment.  Any breach of an oral agreement is impossible to prove in court.  Sorry that this happened to you.
857796
If it is just transactional, then they don't get any information regarding anything other than what they need to conduct the transaction.\n\nHowever, the poster Steve S. is completely wrong in telling you they don't share your information.\n\nBanks and other finanical institutions have the right to share some of your personal information with other companies.\n\nUnder the Financial Services Modernization Act of 1999 (also known as Gramm Leach Bliley), financial instituions like banks have the right to share your information with other companies UNLESS you specificially tell them not to....in other words, you have to opt out.\n\nSteve's post indicates you have to opt-in and that's just not true.\n\nWhat he is talking about is getting credit information from your credit file, which is governed by a separate law known as the FCRA or Fair Credit Reporting Act....which is an opt-in.\n\nBut applying for credit such as what his post alludes to and using credit to make payments are two very different things in the eyes of the law.\n\nCompanies like eBay can easily buy information about you from any number of data vendors like Choice Point and Axciom, which have very, very detailed dossiers about you and your preferences and your buying habits including your use of credit.
267443
That depends.\n\nWas this the original creditor who talked to your boss, or was it a collection agency, attorney, or third party collector?\n\nThe Fair Debt Collections Act only covers when the debt is sent to another party, like a collection agency.  Other then that it gets difficult.  \n\nThe FDCA link is below.  Pay attention to section 804 and 805.  \n\nYes, you can sue, section 811 gives you details.\n\nNow, if this was caused by the original creditor, this act may not apply.  However, depending on what information was given, you can sue for liable.  If the information that was given was intended to damage you (even true information), you may also have a case.  Either way, you need to consult an attorney for advice.  Liable laws are a pain to prove.
445039
Your name, your personal information?  Yes you should be able to access the account information.  It is after all your personal information that was used.  Talk to the company where this account has been opened, tell them you want copies of all the account information.  They can't rightly refuse as the name on the account is yours.  If they have other personal information like social security number and birth date then they really can't despite that you are the person on the account especially if you show proof.
866299
Yes!  \n\nIf someone owes a lot of money to the IRS and does not pay it for a long time, eventually the IRS puts liens and levies on their assets.  In drastic cases, this can result in a foreclosure.  If any of these events occurred in the past seven years, then these will show up on credit reports.  If you are in a position to run a credit check on someone, it will show up.\n\nIf they owe and pay within a reasonable period of time, however, there is no way to find this information legally.
332813
What you earn on your paycheck should be private.  It should not be shared with anyone else and it should be treated with the same privacy as your banking and credit information. It is private personal information that should be secured so noone else should have access to it but you.  In addition, payroll information also consists of personal identifying info like  Social and birthdate, etc... Information like that - if not secured, could be used for identity theft purposes if it lands in the wrong hands.\n\nRAF- Certified Payroll Professional
190511
Yes, just becauseit's charged off does not relieve you of the debt.  It just means they have quit trying to collect (for now).\n\nThey can either sell the debt to a collection agency or use their own in-house agency.  \n\nEither way, the debt will be reported to the credit agencies and it will be on your reports for several years.\n\nIf you wish to repay it....VERY IMPORTANT!\n\nSend them a letter telling them that in exchange for paying the debt, they must remove all negative reports from your credit history.  Otherwise, you will still have bad credit, even after it's paid.\n\nUse the sample letter below as a guide.
722487
You will have to check the statute of limitations in your state.  That's a long time ago so it's possible that the statute has passed.  Collections agencies will still come after you and lie to collect money even after the statute has passed.  Don't agree to anything without checking first.
625795
A bill or notice that you owe money.
47000
contact the creditor. If it is a large firm ask for the collections department. Attempt to negotiate a settlement that includes elimination of the negatively reported information. Start by saying "can you help me with this". Explain the original problem and staate that you want to make it good. Sometimes they will be sympathetic. At a minimum, if you pay they have to report it as originally charged off but paid.
1052184
The last advice given is very incorrect. If you pay off the total amount the account will appear as paid in full and closed but if you on pay the setlement amount it will show as a collections account paid and lenders know this is a settlement.\n\nHere is some information that I wrote on an article about this issue. Hope it helps\n\n"How long will collection or other derogatory information stay on your credit report?"\n\nCredit information can and usually stays on a person’s credit report for 7 years. You can use the information below as a reference to guide yourself and figure out how long derogatory information stays on your credit report\n\nGeneral credit information: 7yrs\nCollections: 7yrs from date of last activity\nBankruptcy: 10 yrs\nForeclosure: 12 yrs from the date filed\nGarnishment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nJudgment: 12 yrs from the date or entry or 7 yrs from the date satisfied\nTax lien: 12 yrs from the date or entry or 7 yrs from the date satisfied\nDismissed garnishments, judgments, and tax liens: not reportable\n\nNow that you have this information I’ll give you an example similar to a client. The agent he had worked with before gave him the wrong advice.\n\nLets assume that you had a collection for $1,000 filed against you in December 1998 and you haven’t paid it. It’s now November 2005, so in a few weeks that collection can come off your credit report. (You will probably have to request all three credit bureaus to take it off your credit report). However, you just applied for a loan today and the loan officer tells you that you need to payoff that debt in order to be approved. Since you have the money to pay it off, you do so. Because the date of last activity is now November 2005, the collection will show on your report until November 2012 – another additional 7 years.\n\nNow let assume that this collection was in June 2005 and you pay it off in November 2005 to obtain the loan, this will reduce your credit score. On the other hand if this collection was in September 2005 and you pay it off in November 2005 to obtain the loan, this will actually increase your score. My point is that a collection account that is less than 6 months old and is paid off will be beneficial but if your collection account is more than 6 months old and is paid off this will be detrimental to your credit score.\n\nYou as a consumer can request copies of your credit report from the 3 credit bureaus (although it’s better to get a collective report from all three in one which I can help you with) and dispute information that is incorrect. Incorrect information can be corrected or removed but correct information (good or bad) usually stays on the report for the period allowed. Only the credit grantor (lender/bank) or credit bureau can remove correct information.\n\nIf you find incorrect information on your report, contact the credit grantor obtain an explanation, have them corrected and ask them to contact all three credit bureaus and correct that information on your report. After this you should also contact all three credit with a letter with documented proof of the error on your report and ask them to remove this information. The credit bureaus by law have to respond to your letter and request. Depending on your case they might approve or deny your request but they have to respond to your letter. Following are the addresses for all three credit bureaus.\n\nTrans Union\nPO Box 4000\nChester, PA 19022\n866-887-2673\nhttp://www.transunion.com/\n\nExperian\nPO Box 2002\nAllen, TX 75013\n888-397-3742\nhttp://www.experian.com/\n\nEquifax Credit\nPO Box 740241\nAtlanta, GA 30374\n800-685-1111\nhttp://www.equifax.com/
589284
Worry not my friend you aren't responsible for it.  Legally "they" can't put debts on your unless your signature is present.\n\nRival