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Review 2/17/2011
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I had my car towed away by "G & M towing company" in front of my house because of expired registration. I decided to let the car go, because I just can't afford to pay for all the expenses and plus car worth only about $200.00. 4 weeks later I get letter in the mail from "Rickenbacker collection services" saying that towing company turn my debt to them and now I have to pay $2000.00 in fees or they will put that on my credit report. They keep calling me and every time I answer they just hang up on me. Once I was able to get hold of someone but didn't get nowhere with them. So I've done my research and found out that...Under Fair Credit Reporting Act, 15 U.S.C. 1681 if they obtain any kind off information from credit agency with out any FCRA- sanctioned purposes, they will be in violation of that law. The Fair and Accurate Credit Transaction Act of 2003,Pub. # 108-159, 117 Stat. 1952. FACTA makes very clear that debt collection is permissible purpose for obtaining a credit report or any inquiries under 1681b(a)(3)(A) only in connection with "CREDIT TRANSACTION" in which I, as a consumer has participated directly and voluntarily. I had NO CREDIT TRANSACTION with that towing company, so there for Rickenbacker collection agency CAN NOT put this on my credit report or try to obtain any information about my credit from any credit agency. If credit company will provide any information to Rickenbacker collection agency - they too will be in violation of the same law and I will be taking both of them to court.
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