owe utility bills

I got a letter mentioning the fact that I owe utility bills. I had asked them to validate the debt. They send back just a copy of the account history from the company with my name and address at the top. I made complaints with both states AG and the BBB. Now ACS has put the collection on my report yesterday my score took a big hit! They responded to the AG\'s complaint by saying that they said it was being resolved! Then why have they put it on my credit reports?
Should I send more complaints to state regulators about them? I disputed it with the CRA\'s already.....don\'t know what my next move should be?????

1 Answers

Sounds like they validated the account...what more do you want?  Have you read the FDCPA?  If the letter is from the company with account history, sounds like they fully complied with the act.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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