Need opinions - should I file suit?

To make a long story short -

A CA has five medical collection accounts from the local hospital that they have refused to validate, and then updated on my TU report after receiving two certified dispute letters - which is a violation. Keep in mind that I have never refused to pay these bills, just wanted some sort of validation that they were owed.

I spoke with the collections manager at the hospital this morning and set up payment arrangements. (Yes, I do still owe them. She faxed me copies of what I needed to verify that I still owe them.) She also faxed me a letter saying that as each one is paid, it will be deleted from my credit report within a week. I set up payment arrangements with the hospital and should have these paid off by October.

There was a question on my other posts as to whether the CA could sue me or not - they CANNOT. The lady at the hospital told me that the only way that I could be sued for these bills is if the hospital sues me - and that they do not sue individuals - ever. The only way a CA can sue a person is if they purchased the debt, which they have not, in this case.

So... now my question is - should I still sue the CA for the violations that I have on them? (I have since discovered another violation - they wrote in a letter to me that I cannot pay the hospital, that I have to pay the CA, which is a lie.)

!. They updated my accounts and did not provide notice of dispute. Further, they updated without checking with the hospital to make sure that the bills had not been paid.

2. They lied to me (in writing) by telling me that I could not make any payments to the hospital.

What do y'all think? There is no danger of them counter-suing me. This would be purely a lawsuit to show that they have violated the FDCPA and FCRA.

I value your opinions. Thanks

 

I think so too. Instead of suing for deletions - I'm gonna sue for CA$H - and lots of it.

 

All you have to do is ask the original creditor. The way the collections manager at the hospital explained it to me is - if the original creditor sells the debt to the collection agency, then the original creditor has to show it as sold, which means the original creditor cannot accept payment for the debt. But if they just refer it out for collections, then the collection agency only gets a percentage of what they collect for the original creditor - not the whole thing.

The collection agency is just a local collection agency here in my town - they only do business locally. (So it's not OSI - sorry - but I would love to see them go down, too!!! )

 

Oh, you're not the only one who hates OSI. I think they are the same as Gulf State - one of, if not THE most hated collection agency on this board.