I have asked, both on the phone, and in writing, for proof of the debt, and they keep telling me they don't have it, won't supply it, and that I need to "pay my bill". CFS Keeps saying that they owe the debt and are on my credit report, but I belong to a credit monitoring website, and run a report at least 2 times a month, and I have never seen Commonwealth Financial systems, nor any debt owed of that much money under any other entities name.

At one point while on the phone with the ONLY helpful representative I've ever been able to speak with at the company, she pulled my credit report. I did see this alert on my actual credit monitoring site, however when she quoted my credit score to me, it was almost 200 points higher than it actually was. I have no way of confirming where she got this score. Also, my wife, against my wishes and unbeknownst to me, called this company, and they very openly discussed my account with her. Now I'm not upset at her, I'm more furious at them for openly discussing an account with someone who is in no way authorized to do such. I have lodged a complaint with the BBB, however I come to find that this company is NOT BBB Accredited, despite their claims to the contrary.

I have since sent them yet another letter, stating that the SOL for debts owed in PA is 4 years, and even in NJ (where I currently reside) is 6 years and that the debt, even if it is mine, is Zombie debt. I have filed a complaint against them with both the FTC and the PA Attorney Generals office. If, and I'm sure when, they contact me again, I will be informing them of this matter, as well as making reference to the letter that I sent demanding VALIDATIOn (not verification) of the debt pursuant to the FDCPA.