I need to know what the heck to do here. I had an Electric bill from previous address where I rented. Landlord/Management was supposed to cover this bill from deposit money when I moved out. They did not do so. Accout was placed in collections. I DV'd CA, and they sent acct. back to OC. I have the notice that they did so dated March 26, and then however long it took to get to me from Pennsylvania. The dilema is that I just pulled reports to see if the CA acct. had been removed and it has, but now the OC has placed a charge off on all my credit files. Don't they have to wait the full thirty days befor they can take action? Where do I stand in this? What should I do?? HELP!
Jam or Ontrack: If your out there: This was essentially a DV/C&D (yes, time barred ) So, could the utility company even lawfully place my account in chargeoff on my CRA's??? I am SO aggitated. Thanks in advance to ALL of you!
Well, the OC may have been reporting the tradeline; I've noticed at times if the PII doesn't match, the tradeline won't appear. When the CA turned the account back over to the OC, the OC may have updated the PII... With it back to the OC, you would have to take it up with them... Just write up your dispute and explain that the landlord was supposed to be paying it... You may also want to check with the landlord/management company to find out if they did in fact pay it...
Have you followed Why Chat's basics by disputing the old personal information from your CR's? Addresses, incorrect spellings of your name, old phone numbers, etc? Then, dispute again with the CRA? My bet is that it will come off easily with the dispute if you delete the matching addresses from each CRA.
The landlord def. did not pay it, that's why it is on my records at all. However, when I found out about it, it was already in collections. I was not aware that I had this bill. Thing is, the OC did not place this on my credit file until after I DV'd the CA. Can they do this? Thanks
Did you ever receive any written communication from the utility company, specifically stating that "negative information may be reported to your credit reports? Per the FCRA, a data furnisher is required to give you notice of negative information inserted into your credit reports. The law does say they can inform you within 30 days AFTER insertion, but the law reads that the practice should be before insertion. If you never received any communication, you may have legal right for removal. But, this would coincide with paying the debt. I am sure if you pay in full they will work with you and remove the negative TL.
Thank you biz. Would you contact them verbally since they are the OC? Do you feel its ok in this situation or would you still go CMRR through mail. Thanks
Biz, They say they sent notice that they would be reporting it, but I never received any such notice. Can I still fight for that removal? I don't care if i have to pay the balance. If you think I have a shot please let me know how to proceed. Thanks
Don't hold your breath... You say you never received it. They say they sent it. So in the eyes of the CA and the CRA, you must have received it and are lying or you are just sloppy and didn't open the mail. It's all part of the "guilty until you prove that you're innocent, and even then, you're probably still guilty" attitude of the CAs and the CRAs. I'm dealing with a similar thing with a CA. They either call to ask for money or ignore me (and keep the collection on my credit report) so we're goin' to court.
Yes, I have had my share of run around with CA's as well. I just have never had a utility company on my file before. Very hard to deal with.
