I have a medical collection on my reports. The amount was never my responsibility, so my HMO called the OC and resolved this with them. The OC told the CA to withdraw all negatives from my reports. The CA faxed something to the CRAs notifying them of this. My question: Once the CRAs receive such notification from a CA, how long do they (and can they) take to remove the collection? The OC customer service department is telling me "up to several MONTHS"?!?!?! Is that true, and is there anything I can do with the CRAs to expedite this? Do I dispute as not mine, or will that confuse them and slow the process down? Thanks!
How do you know the CA faxed anything? Although it might take several months for the CRAs to update, that would probably be due to the update being driven by some batch update from the CA, not by a properly handled UDF faxed by the CA. In any case, if it is not removed, pester the CA and OC until it is. Put them on notice that THEY are reporting erroneous information, in writing, CRRR. They put it there, and have agreed to remove it. If they think they have removed it, let them tell you that, and point the finger at the CRA, in writing. Don't wait several months to find that no-one has done anything.
First communication was with the OC. They stated that the CA had faxed paperwork to the CRAs requesting deletion. I called the CA and asked them to copy me on the paperwork faxed to the CRAs. They refused, stating "we don't mail or fax copies of ANYTHING to debtors." I responded, "I'm NOT a debtor, and that's actually the point, here." The guy still refused. I think if I call the OC, they can get a copy of the request, and might be willing to fax it to me, but before I do, I'd like to know what the law is here. How long do CRAs have to respond to a request from a CA to delete? Is the CA or the OC under any obligation to provide me with copies? If I dispute with the CRA in the meantime as "not mine". since it's technically not, what would likely happen?
Cra's are allowed 90 days to process that UDF. In my experience, I faxed the udf to EFX and TU and they quickly deleted, within about a week. But EXP, well they are jerks. They managed to verify the account (????). On exactly the 90th day, they deleted. If you dipsute the account, it should come off within 30 days. Dispute the account with the UDF as evidence, and it **should** be deleted sooner.
Cinderella, thank you. That's the information I was looking for. Any suggestions on how to get a copy of the UDF, if the CA won't give it to me? Are they under any obligation to? They are still treating me like something they scraped off of their shoe, even though the OC admitted it never should have gone to collection in the first place. My concern is that I have a rather large balance transfer on MBNA at 0%, but I know they pull regularly...if they see this collection (which only just appeared), they're going to jack my rate and I doubt I'll be able to get them to take it back down, even once the CRAs delete.
Ok, I see your urgency. This derog. is leaving you vulnerable to a rate jack Don't know for sure if the CA is legally obligated to provide you with the UDF, I don't think they are. If I were in your shoes, I would call up the CA again and explain the situation, the inaccurate derog. as reporting by the CA could result in your interest rates being jacked. If CA won't listen to you, try the OC. As long as OC didn't sell the debt to the CA, OC can still influence the actions of the CA. If this is the case, try to persuade the OC to get that CA to immediately forward you a copy of the UDF. If you still can't get that UDF, definetely dispute it with the CRA's. That might lock up the account with your EFX. For EXP it will be highlighted as in dispute. But TU will show nothing, and if MBNA runs TU, they would have no idea the account is under dispute.
