Bureaus in collusion with collection agencies?

As long as a debt is within the time frame your state allows for items to appear on your credit report it can be put on there at any time. Not all creditors or collection agencies report to them so it if it moved to one that does then it could appear after not having been on there for some time.

FYI--what he is saying is that the debt in question was on his credit report the whole time. But the creditor had not contacted him during this whole time. And all of a sudden, as soon as he finally gets them to cancel his truecredit service, this creditor just so happens to call him about the debt.

And whats more, he says the DC that called sounds exactly the same as the guy from truecredit that he fought with on the phone to cancel his account.

In my experience, too many coincidences usually add up to no coincidence at all. It is possible, although it would be illegal, for truecredit to impersonate your creditors as they are listed on the credit report, in the effort to get you to keep their service.

goIllini--a thought....did you ever request validation from the creditor? If you asked them for validation and they did not provide it, then they are in violation of the fdcpa because they cannot continue to report on your credit file without providing validation once it is requested. Send them a DV letter, certified mail RRR, and if they do not validate it, then send the creditor a second letter certified mail. In the second letter, inform them that under the FDCPA they are prohibited from reporting on your credit bureau without responding to validation requests. Give them 30 days from date of receipt to remove this account from your credit files, and tell them they will get sued if they do not comply.

Thanks "Guest" - I think you got my point...I know reading many posts can cause one to misunderstand the intention, so I can see how "FYI" missed my point - no big deal! :)

As for the "creditor" I just said I'd never heard of that account and that he had the wrong person. I haven't heard hide nor hare since then, but if and when I do, you can bet I'll be all over that DV, etc. It really does work when something is invalid!

who - crazy how my avatar changed to a woman... :)

I wouldnt wait--having a negative mark on your credit can hurt you. If you are comfortable doing so, post the name of the creditor, I am sure that someone in here has dealt with them before. That way, we can get you an address and you can send that letter out now instead of waiting. It really will serve your interests better to do this sooner instead of later. Either way, this was done incorrectly--they did not follow proper procedure as required by federal law.

I believe it was Enhanced Recovery Solutions or Systems or something like that...

If it is ER Solutions, this is the address:

ER Solutions
500 SW 7th St #A-100
Renton, Washington 98057


Hope this helps

Jon

I will think this really is just a coincidence. If you can prove otherwise, I think you have a nice lawsuit. But remember, correlation does not prove causation.

CAs periodically will cycle through their accounts, and revive the dead files that haven't been worked in a while. I think it just so happens that your account was pulled out of the archives on that day.

Aside though, the bureaus do work closely with CAs. Credit reports and scores are not the only things the bureaus do -- they taylor products designed just for collection/skip-tracing/locating/etc. ...but I highly doubt they give your collectors a call and tell them to go after you once you cancel your Truecredit membership.