Collection Company of America: Are consumers complaining?

You need to send them a debt validation letter through the mail, certified, return receipt requested, you only have a thirty day window to dispute the debt and request validation so make sure you get that letter out!

[Im interested they are on my credit report i called and called was transferred maybe 12 times nobody helped everybody was rude i waisted my only phone card that i will have for awhile on them im overseas that really sucked.

I received a collection on my credit report right at the time I was applying for a morgage; for an outstanding AT & T Mobility bill. I contacted AT&T because I do use them, and was told they did not show any outstanding bill since the time I started with them, nor did they report me to a colleciton agency. I paid the 105.00 to clear my credit, but did report this collection agency to the BBB, and filed a dispute on my credit ratings. Please report them to the BBB, so that they will be investigated!

I just called CCA today to pay a debt that showed up on my credit report and they were pretty friendly and helpful, even supplied with me with the account numbers of the old AT&T account that I did owe. Paid it in full and they were polite the whole time. no complaints

Dolen, I am glad you had a pleasant experience -- but I'll BET a CCA was polite, when you were giving them exactly what they wanted!

poster #37 works for them, thats why they posted that "feel good" BS

contact me, I am not an atty...mpdenterprises2010@yahoo.com

I sue them all the time...

mpdenterprises2010@yahoo.com

Judge Wapner's admonition: Don't take the law into your own hands, take them to court. That is what I am doing. If the slightest thing is wrong with the informaiton on your credit report, the courts says the FCRA has been violated and you are entitled to damages under both Federal and State laws. You can sue CCA under the "furnishers' provisions of the FCRA and the Credit Reporting Agencies under the "reporting agencies" provisions of the FCRA. This is sweet vengeance. The COO for TransUnion called me and lied to me. Now I am suing his butt. He is not happy. He was unaware I had already filed a lawsuit. He stepped right into it!

Here are the two cases that discusses how to sue CCA and the CRAs:
"In Dennis, we did not define what constitutes an inaccurate report. Later, in Gorman, we explained that an item on a credit report can be "incomplete or inaccurate" within the meaning of the FCRA's furnisher investigation provision, 15 U.S.C. § 1681s-2(b)(1)(D),[10] "because it is patently incorrect, or because it is misleading in such a way and to such an extent that it can be expected to adversely affect credit decisions." 584 F.3d at 1163 (internal quotation marks omitted). The California Court of Appeal has expounded a very similar concept of inaccuracy in the context of FCRA and CCRAA provisions requiring that credit reporting agencies adopt procedures to assure the "maximum possible accuracy" of credit reports. See 15 U.S.C. § 1681e(b); Cal. Civ.Code § 1785.14(b). For example, in Cisneros v. U.D. Registry, Inc., 39 Cal.App.4th 548, 46 Cal.Rptr.2d 233 (1995), the court concluded that "a report violates the[se] statutes when it is misleading or incomplete, even if it is technically accurate." Id. at 254."

Carvalho v. Equifax Information Services, LLC, 615 F. 3d 1217 - Court of Appeals, 9th Circuit 2010, http://scholar.google.com/scholar_ca...=1&oi=scholarr

Cisneros v. UD Registry, Inc., 39 Cal. App. 4th 548 - Cal: Court of Appeals, 2nd Appellate Dist., 4th Div. 1995: http://scholar.google.com/scholar_ca...=2,48&as_vis=1

Any questions: