Consumer complaint received 2021-07-12
Company: Oregon Credit & Collections Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Please see complaint XXXX ; this complaint was submitted XX/XX/XXXX ; I have never received a response, and it still shows as they are gathering their response on your site. 
Instead of responding to the complaint submitted XX/XX/XXXX this company simply redrafted and resubmitted paperwork for garnishment. They have yet to validate this debt as asked and required. 
To resend/submit this to my employer for garnishment, they increased the amount owed and added my ex-husbands name to the paperwork. From what I gleaned when I first received a call regarding this, my ex-husband 's name was not included, so why would they include now? 
Again, this company rolled the last payment received date to accommodate their supposed suit against me. This so-called debt is over 20 years old, and the statute of limitations has long passed. They are being unethical and I do not believe what they have done here is legal ; the only resolution is for this to be waived and taken off my record. 
Please see below for pasted initial complaint sent XX/XX/XXXX : On or about XX/XX/XXXX I received a strange voicemail stating I needed to call a number regarding a court case against me. I called the number was told they were merely an answering service, and was transferred to an outside " office ''. A woman answered, she stated she worked for an attorney. The woman actually gave me information about myself, including my current address and place of employment. The woman stated this was regarding a credit card from back in XXXX with a credit line of {$300.00}, stating that payments to this card stopped within that year ; she then stated they were going to obtain a judgment against me for {$8700.00}. I informed her this has to be fraud, as I did not have a credit card in XXXX and have had many loans for cars and a home after XXXX, surely this would have been brought to my attention during any of those transactions. I asked her for proof, she became difficult to deal with, stated that they do not make appointments to " serve '' me with paperwork. I asked her then how am I to know what this is really about and be able to speak on my own behalf? The woman stated that I clearly did not want to know the information and didn't care and repeated that they would just get a judgment against me. I stated to her that not only was this fraud, tis happened 19 years ago, if this was valid, statute of limitations expired many years ago. The woman would not assist me, would not give me information to be able to obtain any paperwork so that I could fight for myself and the call was ended. From this point, I called the local courthouse in XXXX Ca., I was told they had NO open cases with my name attached, and that there was a lot of fraud happening, and this fit that description as they would have to had any hearing in my local county. I then checked the Oregon court website to find if they were trying to serve me in XXXX Ca. and hold court in Oregon, which is not to be done ; I found no open court cases with my name and neither XXXX courthouse or Oregon court yielded any results for the " case number '' I was provided by the woman on the phone. No one ever came to my home, nor my place of employment to attempt service. Recently, Oregon Credit & Collections Bureau Inc. sent paperwork to my place of employment to attempt garnishment in the amount of {$8700.00}, stating they did not know my address and they rolled the date to XX/XX/XXXX so they can now be within statute of limitations. At o time have I ever received anything in the US mail over the last 2 decades regarding this so called debt.

Company response to consumer: Closed with explanation