I have recently received my Equifax and TU credit reports (still waiting on experion). I seem to have two outstanding items (utilities from years ago). One is from SBC and has a different collection agency listed on the two reports. my Equifax report states the collection agency as RMA with the following info: reported 11/99 assigned 07/99 date of balance 11/99 status date 11/99 original amount 282 balance amount 282 now my TU report has the same debt listed with some different info it reads as follows: collection agency: American AGC (which I can not find info for online). updated 04/2002 placed 04/2002 balance 381 most owed 282 Now these are the same debt but appear to be two different CAs. Can I assume that American AGC now holds the account since it has the most recent dates, and if so what do I do? Now the final reported account only appears on my Equifax report and reads as follows: Client name ameren UE CA: Consumer collection Management (can't find them either) assigned 7/98 date of balance 09/98 status date 09/98 original amount 219 balance amount 229 I really just want to pay these but have no idea who to send money to or what to do. I would like them deleted off my reports also if possible. Any advice would be greatly appreciated.
Wanting to pay is great. Paying without planning and thinking is not. Do NOT pay the wrong person. You could pay and get none of the balance of the debt off your reports. Wait until you get Experian to see how that is reported. Then you should investigate who owns the debt, what evidence thay have that it belongs to you, what the original balance was, what fees and interests have been added to it. You do that through validation letters sent to each of the listings on your report. At the same time, I would dispute each listing with the CRA to make them investigate the listings they claim to have as well. Make certain you demand proof that you owe the alleged debt, and that THEY are legally allowed to collect on the debt. Then you can move forward and make decisions on whether or not to pay, until then you are in the dark. -Peace, Dave
CONSUMER COLLECTION MANAGEMENT Date Issued: July 31, 2002 General Information Company Address: 2333 GRISSOM ST LOUIS, MO 63146 Business Start Date: March 1979 Business Classification: COLLECTION AGENCIES Telephone #: (314) 432-2430 BBB status: BBB Member Company Contact MANAGER The report that follows has been obtained from sources deemed to be reliable and is not to be used for sales or promotional purposes. The Bureau reports on members and non-members. Membership in the BBB is voluntary, and members must meet and maintain BBB standards. If a company is a member of this BBB, it will be stated in this report. BBB Customer Experience Record This company is a member of this Better Business Bureau This company has responded to any complaint brought to its attention. When assessing complaint information, please consider the company's size, volume of transactions, and understand that the nature of complaints and a firm's response to them is often more important than their numbers. The BBB does not endorse any product, service or company. The following data concerns complaints processed by the BBB since the firm's BBB file was opened or during its three-year reporting period: Complaint Record The Bureau has received 12 complaints against this company in the current and past three years. 6 complaints have been closed as resolved. 6 complaints have been closed as disputed.
