Hi, I am a rookie to this board (hello everyone !) and I have a few questions if anyone would be nice enough to answer what they think. In 2005 I had a cable service provider (Cox Cable) in which I discontinued use before I moved. To the best of my knowledge I payed the last bill I had received as well as the cable box. Now, on my credit report I am viewing two accounts that are in CA status on all three credit reports, one in the amount of $163 and the other in the amount of $250. I have NEVER been contacted by mail or phone by Cox Cable or any CA. I assume these two collection accounts may be for a final bill I never received, and the cable box that they claimed was not returned. Do I have grounds to dispute these charges as follows? 1) I have never received any bill or notice by ANY agency or company involved regarding the debt. 2) There are TWO marks for ONE account by the company, both submitted on the same date, when I only had one account with Cox Cable. (Are companies allowed to do this?) 3) The cable box was returned (I do not have proof of this, for how could I? I return the box and leave and they claim I haven't...) I was in college and did not save any of my last bills or documentation. What would be the best approach to take for this? I appreciate any advice, and I have been looking over the boards but I have not seen any post where one company posted two delinquencies on one account. - Steven
Well... First, write a dispute to COX; if you can find their address. Second, it depends on whether the 2 accounts are for the same thing or different. It could be that the one account is supposedly a final bill; the second account could supposedly be a cable box deposit fee. When you know Cox received the dispute, send a dispute to the CA(S) which states that your XYZ credit report dated xx/xx/xxxx, was the first time you've heard from them; and you are demanding validation for the alleged account(s).
