When applying for a home loan in 2002, a collection that was not posted on any of the standard credit reports showed up on Transunion 3. I was told I had to pay in order to get the loan, so I spent several days tracking the collections agency down and was able to get a statement which said I had a Sprint account which had been charged off in 1997 with a balance of $170. I had never had a Sprint account, but I paid anyway to get my home loan. BTW, the collections agency could never provide any documentation from Sprint saying I had ever owed anything.
Six months later, another collections agency tried to collect for the same debt. I sent them the proof I had of payment (release letter, mail receipts, copy of cancelled check). They responded saying that was a differnet account. Apparently, the first collections agency sold the account to another creditor using a different internal account number, but the original Sprint account info was exactly the same. That was the last I had heard from that collections agency. Six months later, another agency was tryng to collect.
Four years later, this is still going on. The amount I supposedly owe has grown to ~ $300 and I am afraid that one day they will try to take legal action against me. I know the SOL has expired and I have proof of paying, but I have heard that they can still try to get a judgement on me. What can the creditor or collections agency legally do and what should I expect them to do. I would like this to stop, but I feel if I take it to court, the account will just be sold to another creditor and the process will begin anew.
Thanks for any advice you may have on this matter.