I noticed on hubby's EQ report that has a collection for $112 and disputed (did not know what the hell it was for or from whom!) Anyways, today in mail received FIRST letter from this local CA for a DENTIST bill!!! ($112) We never recived any notice from these people of course until NOW and the letter has the nerve to say "Remember also that unless payment in full is received a negative report MAY be submitted to all major national credit reporting agencies which may affect your ability to obtain credit for a number of years" "Protect your credit. It is a valuable asset." JOKE!!!!! So I guess once they have an account, they can immediately report to CRA w/ out sending me ANY notice that I owe this debt???? Now I have a notice (after the fact!) INTERESTING thing is that no where on the letter does it state the phrase "This is an attempt to collect debt. Any information....." Is this not a violation??? I talked to dentist office, and they claim that they sent me a bill..I explained since we had moved, I never received anything, and upset that CR is now affected. (UGGGGHHH!) OK....what can I do here??? They are only reporting to EX...is there a good letter I can send to PIF/delete? Can I get them on any violations as leverage???
If the letter did not have the "this is an attempt......" then that is a violation. As far as tackling this, I would call back the dentist and tell them you have no problem paying it, IF they take it back from the ca. If they agree, then the ca has no right to report it and you can get it deleted. If you go this route, you might ask the dentist to give you a letter stating that it was paid prior to going to collection (if you can talk him into it)
I will go that route first...if that doesnt' work.... This letter is a joke...they have not informed me of any of my rights or mention anything about this being an attempt to collect debt....this letter just looks like a bill! AND after reviewing EQ, the original creditor info is WRONG (they have some other doctor's name on it, and my doctor is in private parctice...and the account numbers don't match...) the only thing that matches is the balance owed.... Do you think I have leverage w/ CA if I point out violations, and tell them i will pay in full for delete...or else see you in court???
