Collection and Reporting of Erroneous Debt


Saxon Gilmore filed a case in the United States District Court, Northern District of Florida, Gainesville Division, on behalf of the plaintiff concerning an erroneous debt with Direct TV that she discovered on her Experian Credit Report. The complaint alleges in November 2005, the plaintiff opened an account with DIRECTV in order to receive satellite television programming at her residence. At no time prior to November 2005 did the plaintiff receive satellite television programming from DIRECTV or receive any other type of services from DIRECTV. The alleged debt was being reported as past due to DIRECTV from October 2005.

The alleged debt was the only negative item on the plaintiff’s Experian Credit Report and the plaintiff did not have any accounts with DIRECTV in October 2005. The plaintiff never received a bill or an account statement from DIRECTV indicating that the alleged debt was owed in October2005. Even after informing DIRECTV of the inaccurate debt, the plaintiff was still contacted by three different debt collectors on separate occasions in attempts to collect the erroneous DIRECTV debt.

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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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