Ok We bought a house about 10 months ago, we move from an apt and had a utility bill that was due. I gave them my new address and made arangements to pay it over time. After about 4 months I requested an update on the mount owed so I could pay it off. From that time until now I have received no info or corespondence from tham. I pulled a credit report last month and see tha put it on as a charge off/bad debt. I wrote a letter and about a month ago and they have not responded. So today I called and tried to get them to connect me to the credit and collections department, no go. So I talked to a supervisor that told me it was against the law for them to remove the listing from the report even if I did pay it. She told me all they would do is change it to "paid" and settled" I am thinking about writing the CEO, Chairman of the Board, President and Director of External Affairs. I have all of their address' and was wondering if anyone could give me some advise?
It is not illegal for them to DELETE, it is illegal for them to report, and to NOT report the matter COMPLETELY, and ACCURATELY. How many months past-due was the account, was it only a month or so past due? If it was only a few months past due, I would personally say that them reporting it as having been charged off is not reporting the matter correctly, unless they charge off EVERY account which goes the same length of time, and that you will sue them under the FCRA, and defamation of character, if they do not delete the matter in its entirity. Especially since they were receiving payments when they were reporting that it was charged off, payments prior to the charge off, should prevent the account from being charged off. So the key factor would be the month that they are reporting that it was charged off, if it was reported as being charged off after they were receiving the payments, they're not reporting the matter correctly.
Thats got to be one of the MOST rediculous statments I have ever heard from a collection agency. Have them show you the LAW that states it's illegal to remove the tradeline (they won't find one). The simple fact of the matter is there IS NO law that states they MUST report ANYTHING (it's a voluntary act by a creditor or collection agency to report something) Sal
oh what a Ca won't do to keep punishing the consumer even when they do the right thing. ohhh better yet how about starting a business ( my idea BTW I'm claiming rights lol ) to collect & sell data to consumers I could prepare a list of CA that were caught violating the FCRA and FDCPA and state what codes were violated and if they were sued and lists dates, times etc. report their activities for 7 years I wonder how fast they would enact congress to change the laws to prohibit me. hmm research wonder if I could get in trouble for posting their info what ya think guys?
Sal: I got this same response from a LAWYER for an alleged OC (which was sued by the FTC and declared to not be an OC by the FTC) who was permanently barred from 'COLLECTION ACTIVITY' for any of the affected accounts, and STILL the 'OC' was verifying with one of the CRA's for 10 months of continual disputes after they were barred from collection activity by the FTC.
