"@jusooho:
It's not "stealing" from the creditor when the original creditor is still claiming the debt on your credit report, and now a new collection agency is trying to claim the same debt making it look like you owe more then you actually do."
"Don't know if anyone mentioned this, but I've got several "valid" debts off my credit report by disputing that I never authorized the original creditor to transfer or sell my debt to a collection agency and unless the collection agency can produce a signed contract validating my debt with *them*, I dispute said debt as I don't OWE the Collection agency."
"@Pylon83:
Because it's not required, and isn't even needed if the customer runs out on a debt they still have the customers name, WHERE THEY LIVE, and date of birth, that is enough to put the bad mark on the credit report."
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