I have a collection that I have been trying to care of. I have offered to "Pay for Delete" even though I filed bankruptcy on this debt in 2001. They refuse stating it is against their policy. In the state of Oregon (where I live), all collection agencies have to be licensed as required by law and includes out of state collectors. This one is located in Nevada and is not licensed by my state to collect here. They have this collection reported on Experian and Trans Union as a collection account included in bankruptcy. The CRAâ??s verified this account in July of this year. I know the FTC views reporting to a CRA as a collection activity so would my state also view it that way or does that matter? I tried being nice offering full payment in exchange for deletion and they have refused. Now I have to figure out what next to do if anything. Any help is greatly appreciated. SurveyTech
Can you request validation at anytime or does it have to be within the 30 days of the initial communication?
Well this started out as being only on my Eq. CR. Now within the last month they have inserted this account with all three CRAâ??s. TU says it was first reported on 9/17/2004 and Ex. says 7/2004. This is what Ex. CR saysâ?¦. BAD CA Name Address: BAD CA ADDRESS Account Number: Stupid account # Original Creditor: RADIOLOGY CONS H Status: Petition for Chapter 7 Bankruptcy/Collection account. Status Details: This item was verified on 8-2004 and remained unchanged. Date Opened: 12/1999 Type: Installment Reported Since: 07/2004 Terms: 1 Months Date of Status: 07/2004 Monthly Payment: $0 Last Reported: 09/2004 Responsibility: Individual Credit Limit/Original Amount: $56 High Balance: NA Recent Balance: $0 as of 09/2004 Recent Payment: $0 Account History: Collection as of 7-2004 to 9-2004 Filed Chapter 7 Bankruptcy 07/29/2004 Any ideas from the credit gurus out there? Thanks, SurveyTech
CA's address is invalid? Have you sent a copy of the returned envelope to the CRA, demanding that since the CA doesn't exist at the address which they claim to have contacted them at, that they could not have possibly verified the alleged account? Have you looked up this CA's address elsewhere to get the validation to them?
Sorry for the confusion. There is a address listed however I elected not to post it. What I meant by BAD was that they are a BAD CA. ... Again, sorry for the confusion SurveyTech
