Having join this board a little under a month ago, I like so many others weren't aware of my rights. Well, I paid my Original Creditor Time Warner in full of a small debt owed. On payment they said they would contact the CA that was reporting, although I haven't received any docs because I had moved, and tell them to delete. So, it's been paid to the original Creditor, no contact with CA and now they say because they had the account since January even though I had no contact with them they are keeping it on my report. Is this legal? I paid the OC and they can simply write whatever? I hope to hell not. I need answers... Thanks guys and ladies. CuriousGeo
Hell yeah! Just when you think you messed up they repeat your address and it's a 3 instead of an 8... Faxing request from deletion to me as I type this. HAve never met nicer reps... I guess when you pay things go smoother when there are errors on your account... 2 CA's down in three weeks. A couple stubborn ones to go...
NO it is not legal. You did the right thing by paying the OC. Do you have a copy of the cancelled check...if not, call the bank, they may charge you but they keep microfiche copies of all the past cancelled checks. I would get a copy of it for my records, were I you. In the meantime, send validation letters to the CA. Demand proof (which they have to provide from the OC) that you owe this debt. They will fail. At this point they will either delete/ignore/or send false validation information to you. If they delete ...done...if either of the other 2 things happens, send estopple letter...they will do same things as above, delete/ignore/or falsly validate. If they do not delete, file suit for violations of the FDCPA and FCRA. If they send any further collection letters after validation, you will be building your $$ammo$$. At the same time, send disputes to the CRA's listing the item. if they verify, send procedural requests demanding info of who they spoke to, when and what information was given. Within a couple months you will have everything deleted or you will be filing suit against the CA and 1 or more CRA's and you could make some good cash for your trouble, not to mention get the deletions at the same time. Good Luck -Peace, Dave
Ahh it looks like you got it removed the easy way. Calling the OC hmmmm. I like my way better, you get to sue! hehehehehe Congratulations! -Peace, Dave
