I am married to someone who used to be married (20 yrs ago) to someone whose debt to United auto credit is now in collections. I don't know how they tracked me down since I have never met my husband's ex-wife who is the person they are looking for and we don't know where she is either. I am being contacted every 1-2 weeks for 6 months now after calling them back repeatedly to ask them to stop calling me because I don't know this woman and have never even met her. I have done some research and for those of you who wish to file a complaint here is some info you may find helpful:
To report an alleged violation of your rights and file a complaint against a debt collector, start by contacting your state’s attorney general. If your state has its own laws (in addition to federal debt collection laws) governing collection procedures, your attorney general’s office will know.
You can also contact the Federal Trade Commission (FTC) and file a complaint. The FTC does not resolve problems; it records complaints, and looks for patterns and trends about a particular business.
To file a complaint with the FTC about a debt collector’s practices, write to:
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
You can also file a complaint online in English, or En Español, or, call the FTC’s toll-free helpline at 1-877-FTC-HELP [protected]); TTY: [protected].
There is no federal license or registration required for collection agencies. However, in some states debt collectors must register or apply for a state license. Licensing requirements vary from state to state. Many states also require collection agencies to be bonded. In some states, such as California, there may have been prior requirements for licensing of collectors, resulting in state regulations being retained on the books of the state even after the regulatory agency has been disbanded. These regulations may provide additional details and support for legal arguments of what is considered proper. To learn more about the licensing and bonding requirements for collection agencies operating in your state, link to your state's collection law through Attachment A, www.privacyrights.org/fs/fs27plus.htm. If your state is not listed, contact your state's attorney general through the National Association of Attorneys General web site, www.naag.org.
You may also contact your state's consumer protection office through the federal government's Consumer Action web site, www.consumeraction.gov/state.shtml.