And I think I will AHHHHHH. I have been dealing with a CA that has listed 8 accounts on my credit report for medical. I sent validation letters on all 8, then an estopel letter to 1 of the 8 that is a paid collection listing. I received no response. So I filed a complaint with BBB. Today I receive a letter from I don't know who, with a copy of the letter sent to the BBB. This CA totally lies throughout the whole letter! They made several attempts by mail, several calls, sent validation letters on all 8 accounts! I was and still am fuming! I need these accounts off my credit report. The CA did say that they removed two of the accounts from my files due to "our erroneous response to a consumer dispute verification from Equifax.Professional Collection Services responded that the account was paid and purged from our system, because we used the term"purged", Equifax will be removing the account. However, this account was reported correctly". Whatever! I decided to phone the OC for these accounts. The Hospital confirmed I do not owe anything, there is a zero balance. I asked if they would call the CA and confirm this, she said they could not because these accounts were no longer with them. But yet she looked them up on her computer and stated I owed nothing! I am at a loss here. I did contact the local BBB, and tell them about the situation. I have not heard back yet. Any suggestions would be appreciated. I have never been so upset!
They can NOT call, write or do ANYTHING until and unless they validate. They have NOT. Send the Estoppel letter for all 8 listings saying that you demand they provide proper validation on all 8 and if they do not do so you are filing suit in small claims court...wait to (NOT) hear from them and file your suit. It appears from your contact with the OC (hospital) that they WILL NOT be able to validate so you can then sue them for violations of the FDCPA and FCRA and make money from the whole mess...don't settle for less than complete deletion and $5000 for your headaches (violations of the 8 validations). Along with the Estoppel letters dispute with the CRA's and send procedural requests so that you can have definite proof of who was violating the FCRA and who was violating the FDCPA. -Peace, Dave
Is the OC on your CR. If so, dispute with them. If not, if they have updated their system stating that you owe nothing, dispute is CRA. I found out that once the OC updates their system information can be reported accurately. I found out that sometimes the OC may report a dept to the CRA (1997) but never update (2002) if, when changes are made...
The CA did not address the letter to me, it was to the BBB, from I don't know where. The address does not match eithet the CA or BBB. Anyhow, the several letters and calls the CA referred to in their letter to the BBB, was I guess the initial contact, before they reported to the CRA. I never received anything from them. The OC is not on the credit report. When I called the Hospital, the representative said she wasn't sure the accounts would still be in their system, but she did find all but one, probably the paid account. So they are still in the system. Can I send a validation to the Hospital, even though they are not on the report? They are the only ones who can prove I paid all these accounts! I had 7 letters ready to go today, and one intent to sue letter for the paid account. The CA mentioned they are deleting two accounts. I disputed with the CRA online, that is what the CA is referring to when they said they responded erroneously to the CRA so the two accounts would be deleted. I just don't know.
Send 'em. Then Sue 'em. They (the CA) are wrong. You have already gone to the OC and they have stated this. Maybe you can get a letter from the hospital to back up your evidence....be all nice and friendly to the AR dept of the hospital and ask them to send you copies the documentation they have on the account. Again, when they got no proof, you will get them everytime...persistence is the key. -Peace, Dave
Thanks for all the help. I am going to go ahead and send the letters I have ready to go. I am tempted to enclose a cover letter though that states I never received any contact from them. They also stated in the letter "she did not dispute debts verbally nor written as required within the 30 day validation period".
They also stated in the letter "she did not dispute debts verbally nor written as required within the 30 day validation period". premeno ============ They lied to you There is no such requirement
