What To Do When You’ve Been “Tagged” for Someone Else’s Debt
Debt tagging occurs when collectors aggressively target the wrong person for a debt. This situation is usually caused by outdated information. These cases exact a toll on victims by potentially damaging credit and taking months to resolve.
Consumers can protect themselves by following these tips:
- Ask for it in writing. When a debt collector first calls, ask him to send a written notice.
- Tell them that they are wrong. If you don’t owe the debt, tell the collector he’s got the wrong person. Ask for the collector’s mailing address. Send a letter restating that he’s got the wrong person and ask him to stop contacting you.
- Keep track of all calls. Track any subsequent calls from the collector.
- Consider escalating the issue to the relevant authority. Collection agencies can be regulated by laws or a code of conduct, in regards to which you can usually raise a complaint. If applicable, request your credit report with the applicable agencies to make sure the debt hasn’t been mistakenly attached to your report.