creditor vs. collection agency

Discussion in 'Credit Talk' started by tom65432, Sep 18, 2001.

  1. tom65432

    tom65432 Well-Known Member

    A collection agency reported a paid collection on my credit reports. I tried to deal with them and the CRA's before I was aware of this board. The account was not mine and I did not pay it off.

    The CA refused to do anything, claiming they had my name so it must be me. I asked the CRA's to validate the debt with the creditor, not the CA (I was naive, thinking they would). All they did was to contact the CA who validated the debt.

    I tracked down the creditor who verified to me that it was not my debt. They wrote the CRA's telling them that the debt was not mine and that any negative entry should be removed. Then they sent me copies of their letters. I sent the copies to the CRA's telling them to remove. They responded , saying they had to investigate. It has been almost a month and I am getting apprehensive.

    My question is this: In light of these facts, are the CRA's just going to validate the debt again with the CA, or are they going to contact the Creditor? It was the CA who put the negative on my report.
  2. roni

    roni Well-Known Member

    It's a case of the path of least resistance.... If you're challenging the tradeline listed by the CA, they're going to investigate it. If you're challenging the tradeline listed by the orginal creditor they will contact them. Only if you request both, will they contact both. You should send copies of the letters to the CRAS directly also.... I would call, get the name of a customer service rep with the CRA and fax it to them directly.

    Good luck.....
  3. tom65432

    tom65432 Well-Known Member

    This time, when I sent the CRA's the creditor letter, I requested that they contact the creditor, not the collection agency. I was hoping that they would take the path of least resistance, contacting the creditor, because they would have the creditor letter in front of them.

    I guess my question is whether they will delete the CA report of a collection based on a letter from the original creditor.
  4. bbauer

    bbauer Banned


    You are getting the run around as usual, or at least might potentially be going to get the run around. At least that seems what you are fearful of.

    The way I handle that is to simply wait for about 30 days after the collection agency/creditor (whoever) has agreed to have had the item removed and then order a new copy of the credit reports.

    If the item still remains, I then prepare a lawsuit and send it to the creditor/CA (whoever) and demand answer of them, giving them 15 days to cure the problem and prove the cure has been effected or else. Trial by jury demanded.

    That gets them to squealing real quick.

    I'm currently preparing a small claims packet release.

    Basically it's the kind NOLO wants to charge $11.95 for except that mine will be total and complete and will carry precise step-by-step instructions for it's preparation and usage instead of a bunch of hogwash and pettifoggery. Each step will also carry a full and complete set of discussions to explain exactly why one should do as I recommend.

    It will be totally and completely free of any charges or fees or obligation for downloading and usage and there will be no advertising attached to it. Anybody will be able to access it, not just creditwrench&#153 customers

    It's going to be a lot of material, not just a few pages of useless garbage.
  5. roni

    roni Well-Known Member

    They can. I doubt they will. I don't think they will contact the original creditor because they are not the on reporting. They contact the person reporting. I know it sucks, but they all do as little work as possible.
  6. marvin

    marvin Well-Known Member

    They will contact the collection agency since they are the ones reporting the account. You need to send a validation letter to the collection agency and make them prove that it is your account. If they cannot validate within 30 days, they are required to remove the information from your credit report.

Share This Page