CRA verification

Discussion in 'Credit Talk' started by Karen, Apr 18, 2001.

  1. Karen

    Karen Well-Known Member

    If I dispute a collection that shows up on my credit reports from a collection agency (not the creditor), does the CRA have to verify it through the collection agency or the creditor? This debt is not mine. The collection agency took the position that it must be mine because they have my name. They cannot give me an address or phone number for the creditor. TU deleted it from my report. Equifax said they verified it. I suspect they verified it with the collection agency. How can I get them to look further and to not just accept the word of the collection agency?
  2. Kathy

    Kathy Guest

    send them a validation letter, there are some GREAT ones on this site, do a search.
  3. Irish Diva

    Irish Diva Guest

    If the collection agency is acting for the original creditor, they have to verify it with the original creditor. If the CA has purchased the account, they should have all the backup (note emphasis on the word Should!)

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