HI, I rencently saw a listing on my CR for 98 dollars, I called the CA to see if I could pay it for deletion. They told me they returned the account to the OC and they could not accept payment. I asked them if they would remove the trade line or if I had to go trough validation. He laugh ad said they where not removing the trade line. I sent them a letter requesting validation last week, they received it 2 days later. I look at my report today and I see that they removed Equifax and Transunion but left experian as follows; Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: $0 Date Open: Nov, 2003 Balance: $0 Terms: Unknown High Balance: N/A Limit: N/A Past Due: $0 Remarks: Account in dispute-reported by subscriber Payment Status: No status I already disputed the debt with the CRA, First of all since they are reporting the account as NO Status is that still bad? Seccond is there a way to have them remove this off my report. The kicker is that they added the trade line under the original creditor and they are listing it as follows Acct Type: Collection Account Collection Account Acct Status: Open Monthly Payment: N/A Date Open: Nov, 2003 Balance: $98 Terms: N/A High Balance: N/A Limit: N/A Past Due: N/A Remarks: N/A Account Disputed Account information disputed by consumer I never disputed this account with the Original Creditor, is this a new tactic they are using? Are the collection Agencies directly managing the way OC's list their items? Any vioaltions on this? By the way this is a fairlly new account, was a old phone bill from when I moved last summer.
OK. The first thing that sticks out to me is that they are listing the account "TWICE" with "DIFFERENT" information on one report (Experian). Is this correct?
Re: Can I have this Removed? New Tw They are not lising the account twice, what they did. The CA was fist listing on all three CRA's and when I sent validation they stopped listing on two "Equifaz, TransUnion" and then they listed on those two under the OC.
Re: Can I have this Removed? New Tw although its really hard to follow exactly what's going on here, I'd venture to guess that after you disputed w the CA and CRAs, TU and EQ couldnt verify but Experian didnt investigate squat. What's new. at least 2 of the CRAs seem to have actually investigated. you need to write to the CA, explaining how you called and they admitted the account was given back to the OC, therefore it needs to be removed from your EXP immediately. then, send another dispute to Exp. Then, since its on your other 2 CR under the OC, take a good look at the TL and see if there are any mistakes in reporting. If so, dispute w the OC and go from there.
Re: Re: Can I have this Removed? New Tw OK. Are you saying that the Collection Agency has removed it's listings and now the Original Creditor is reporting? In your first post you said the CA is now listed as the OC on Experian. The paragraph you wrote above has confused me...
Re: Re: Can I have this Removed? Ne Sorry for the confusion, let me try explain again. A CA listed a Phone bill on all three CRA's I sent the CA a validation letter. As soon as they received the validation letter they errased their listing of the debt on TransUnion and Equifax but continued reporting on Experian as follows; Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: $0 Date Open: Nov, 2003 Balance: $0 Terms: Unknown High Balance: N/A Limit: N/A Past Due: $0 Remarks: Account in dispute-reported by subscriber Payment Status: No status The same day the original Creditor listed the same account on Trans Union and Equifax. Their listing looks as follows; Acct Type: Collection Account Collection Account Acct Status: Open Monthly Payment: N/A Date Open: Nov, 2003 Balance: $98 Terms: N/A High Balance: N/A Limit: N/A Past Due: N/A Remarks: N/A Account Disputed Account information disputed by consumer Now the first thing that I am curious about is that altough I requested validation from the CA, I never requested validation form the Original creditor so why are they listing the account as being disputed? I contacted the Collection agency to pay the debt and they told me that they no longer have the account that it was returned to the original creditor. If this is the case will I be able to remove the CA listing of the account?
Re: Re: Re: Can I have this Removed? Ne OK. I see. Have you tried disputing the CA's listing with Experian? Maybe the CA requested removal but the CRA is dragging it's feet. I'd dispute the listing with Experian and shortly after demand removal from the CA. As for the OC reporting, they have the right to. Since the account is now with them, try to cut a deal before it goes to another CA.
Re: Re: Re: Can I have this Removed Thanks for help sloyarole. How about the fact that the OC is reporting the account as disputed but I never disputed with them?
Re: Re: Re: Can I have this Removed One more question, now a diff collection agency has the account. They have not listed the debt on the credit report. How do I tackle this, I want to pay it but I also want the verizon listing to either disapear or show paid as agreed. I contacted the second collection agency and they refuse to send me something on writting agreeing to my terms. What should I do?
Re: Re: Re: Re: Can I have this Removed What they're doing there is reporting it as "disputed" because you disputed with the first CA they assigned it to. When that CA returned the acount to them, they decided to report it themselves. As far as I know, they can report it as disputed because (technically) you did dispute the account...just not with them directly. What you should try to do is come to an agreement with Verizon (payment for deletion). There's some letters around here that you can search for regarding that. Also, follow the standard process with the current CA as far as validation. They (more than likely) won't have any documents to support their cause and will probably fold like the first CA and give the account back to Verizon. Keep them on their toes "before" they start reporting. You don't want them on your reports (especially since you still need to get the first CA off your Experian report). I don't know how much your bill is with Verizon, but if you can come up with a way to pay them the full balance, they will hopefully remove their listing from your CR's. If you can't pay the full balance at one time, negotiate a payment payment plan with them. Try to explain that you really "want to pay the balance but you can only do it in 2...3...4 payments". Having a CA handle it will not change that. Why let a CA have a portion of the bill when they can get it all if they just work with you a little. Hopefully some others can give some input on this as well.
Re: Re: Re: Re: Can I have this Rem Thanks again for the help. The bill is only 95 dollars, so I can afford to pay it. I called verizon and unfortunatelly told me that a CA had the account and I chould contact them to settle it. I will take your advice and start the validation process before they list this.
Re: Re: Re: Re: Re: Can I have this Rem Tell Verizon that you have a money order made out to "them" and you can have it on thier desk in 24 hours if they recall the account from the CA and remove thier listing from your reports. They are stupid for letting a CA handle this after that offer. They'll pay the CA 50% of the $95 if the CA can get you to pay.
Re: Re: Re: Re: Re: Can I have this I have a question regarding this problem, Although PG list the trade line as verizon when I pull the Equifax gold it shows the listing as the collection agency rather than the OC. Which listing is correct? The reason I ask is because I have the same problem with a diff listing except on this other listing the CA sent me a letter telling me that they would remove the listing because they returned it to the OC. I sent a dispute letter to th CRA and the next day on my PG report it showed the same listing except that instead of being under the CA it was under the hospital or OC name. However when I pull the equifax on-line report it shows the listing still under the CA. Should I purchase a paper report? Should I buy one directly from each credit reporting agency? I need to know if the listing is still being reported under the name of the CA because then I can sue both CRA and CA for failure to remove a debt and I have a letter from the CA telling me that they would have the items re,moved. Thanks and sorry for the long rant.
