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Getty Images Letter Forum / Re: another copytrack letter
« on: September 08, 2018, 04:20:53 PM »
You should absolutely notify the collection agency that this is NOT a debt and the circumstances surrounding this supposed debt. Further, you should inform them if they do not correct this situation, you will report them under the rules for FDCPA and possibly pursue litigation as allowed in the FDCPA for mischaracterizing a copyright claim as a debt. They are not the same.
It matters whether you intend to get a loan or not. Collection accounts can become a problem because accounts are sold like a commodity. It will make the rounds to different agencies and one day, one will misreport it to your credit report.
There have been been bad actors who got themselves a LOT OF BAD PUBLICITY because they tried to transform non debt claims into debts. It doesn't work that way. If someone tried it with me, it would blow up in their face because FDCPA is very clear in these matters.
A copyright claim is NEVER a debt no matter how many ways they say it is.
You need to stop having conversations and start writing and documenting. Your mistake is you keep speaking to them on the phone when you should be writing your responses. You have clearly inflamed them and they are foolishly lashing out at you in hopes of taking advantage of your lack of knowledge in legal matters.
Copytrack may not give a shit about it because they operate outside the US but the collection agency should care very much because they are in the U.S. and can face unintended consequences.
It matters whether you intend to get a loan or not. Collection accounts can become a problem because accounts are sold like a commodity. It will make the rounds to different agencies and one day, one will misreport it to your credit report.
There have been been bad actors who got themselves a LOT OF BAD PUBLICITY because they tried to transform non debt claims into debts. It doesn't work that way. If someone tried it with me, it would blow up in their face because FDCPA is very clear in these matters.
A copyright claim is NEVER a debt no matter how many ways they say it is.
You need to stop having conversations and start writing and documenting. Your mistake is you keep speaking to them on the phone when you should be writing your responses. You have clearly inflamed them and they are foolishly lashing out at you in hopes of taking advantage of your lack of knowledge in legal matters.
Copytrack may not give a shit about it because they operate outside the US but the collection agency should care very much because they are in the U.S. and can face unintended consequences.
They sent this to Recoverable Management Services out of Columbus OH. They left me a voicemail and I ignored that and they sent a letter now saying I have 30 days to dispute the debt. I wonder if I should continue to ignore this as I don't see how they might have a case.
I don't ever plan on getting a loan but I'm not crazy about the idea of the invalid debt on my score either.
Some issues that kind of make it more nuanced:
I also understand that copyright may have a 3 year time limit for them to begin a lawsuit which should have passed as the image was originally published on a blog over 3 year ago.
There is also the fair use issue which I think is strong and Copytrack got pretty disrespectful and vulgar with me over email and I asked them to cease communications which they ignored and I also asked that they don't hire third parties to communicate on their behalf since this is clearly not an example of copyright infringement or I would consider that harassment I also added in that I don't see their case as an attempt to collect a valid debt. Obviously they ignored that as well. They are asserting I owe $1500 for a single image and it's an image that is used over 100 times online that the original photographer spent money to distribute publicly on pinterest so that he could attempt to sue people and on pinterest I've seen the image attributed to another photographer who is from the US and not the person they claim took the image.