Encore Capital Group Debt Collection Complaint

Encore Capital Group Debt collection department,

Other (phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt California

According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my - delinquency in - but it also has my account being opened in -. On top of that, the last time I was delinquent on any account was in -. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the -. As I have stated, I have not been delinquent on any account since - and did NOT open any accounts until -. There should be no retail credit account on my credit report opened in -, -, -, -, or -. My wife added me on as an authorized user on - of her accounts that were open in - and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in - that was OPEN in -. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years. I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank - for - - and all that she has done for the - people. This agency is - more thing to add to her legacy.