I got an alert that a major derogatory had posted to my Experian report. Being that other than one or two little baddies due to drop off soon, I had pretty much cleaned up my credit reports, so I had no idea what this could be. I went to check and there is an entry from "Escallate, LLC", supposedly collecting on a non-debt from 2004 to a property management company (another complaint in itself). I had been through this with Fidelity Credit Management in August and September 2004, did the DV route, even provided them with information proving that this "debt" was not valid and I welcomed the opportunity to face the original creditor in court (just as 16 other tenants did last week for pretty much the same violations). Fidelity backed off and closed the file and also deleted from my credit reports.
After less than a minute of research on Escallate, I find their website, which proclaims for all the world to see.."formerly known as Fidelity Credit Management". So "Escallate" claims that the account was "opened 6/2007". Unfortunately (for them that is), I still have almost all of my documentation from 2004, including the nice autograph of one "R. Rahib", who is now listed at the "Sales Manager" for Escallate, and his bio goes on and on about how he founded Fidelity Credit Management. Is that a coincidence or what? (sarcasm dripping)
Already disputed (it has shown on Transunion as well), fired off letters to the current corporate ownership, as well as the Ohio and California AG. Additionally, an attorney in S. California has already contacted me, as he is very interested in filing a case for me, as he has been very successful in the past against Fidelity Credit Management. He said to give them ten days to correct their "mistake", then we take it to the next level.