Hi all. I have a question concerning a collection account on my CR. I used to be an independent consultant and moved a lot. As a result I usually rented furniture. In 1997-98 I rented furniture from a company and when I moved I sent in my final payment for what I thought was the account balance. Well, about a year later I got a letter from a collection agency saying that I owed them $165.00. I called the company that I had rented the furniture from and spoke to the owner. I found out that I indeed did still owe that money on the account, so I apologized and sent her a check for the $165. She told me at that time that she would have the collection company cease collection on the account (unfortunately this was pre-creditnet and I didn't get it in writing). Lo and Behold about 6 months later I get a merged copy of my CR and theres the collection on all three reports. I called the company I had rented from and found that it had changed owners and they knew nothing of my agreement with the previous owner and were no help at all. So, I disputed with all 3 CRA's. Experian removed it, but Equifax and TU came back saying it was verified. I'm just wondering what recourse I have here. Since I never sent a payment to the collection agency (paid the creditor directly) can they legally report this? What should my next step be? Any help would be greatly appreciated. TIA! Kirk
