cingular debt and credit report

Aha! Yet annother victem! You can dispute it, but when you complain nothing will be done. If its not your bill they will eventually take it off your credit when they feel like it and only after constant complaints. They make $$ off you when you pay these "bills" so theyll try any way to scam you.

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Hey curlycarl, I received one statement from them, on the back of it was my right to dispute and ask for verification, which I did. I have not heard another word from them, but new credit report now has them on it. I thought this was illegal for them to go ahead and report to bureaus when they haven't responded back to be about dispute and verification?

Shirley,

If you used the standard validation letter then they are definately illegal. Contact the bureaus and the FTC and AG then watch how fast they get off there. My goodness, don't they ever learn? Also you may contact the BBB and complain. This will help to teach them a lesson they will not soon forget.

Yes, I too think that this is illegal. They have suppressed the info from you and reported it to credit bureaus. This is not right. Once you place request for validation or dispute the validation, they should respond to you.

thanks guys! I just got done writing them a letter and also sending all copies of correspondence to Transunion credit bureau to see what happens. I let the collection agency (collection agency of amercia) know that I have the right to sue and if they don't remove it IMMEDIATELY, I will exercise that right--which will more than pay for this debt amount that they claim I owe. we'll see. :D

It is still soon to get an answer (if any) to your letter for validation. Most collectors will tell you that they don't have any timeline to answer, and it can take months. (In my state, Texas, they have 30 days however, and if they don't prove the debt, they must remove it from you CR).

Be aware that for some reason, companies such as this one and Cavalry Portfolio seem to be in cahoots with cell phone companies such as the one you mentioned and Sprint. CCA and Cavalry seem to be trying to collect (fraudulantly) on Sprint and AT&T accounts, which many people never had in the first place.

Just to let everyone know. I wrote Transunion and Equifax and sent all proof that I had asked for validation and didn't get it. I got a letter from Transunion today, they DELETED it!!! so for now, until they validate to me, they're off!!!!
One small victory for me!!!!! There might be some things I have no control over and can't do anything about, as far as getting them removed (except to finish paying them off), but I can sure raise cain about this kind of stuff. EVen more of a reason to watch your credit report guys! shirley

Congratulations Shirley!! Good for you!!

Sue

thanks sue!!!!

Shirley Shirley she's our Girlie! :)

Congratulations Shirley! Keep the good news coming! :)

Hi Shirley

I remember all the hard works you did to fix your credit. You used to give in so much of your efforts and this resulted a positive outcome. Thank God for bringing a smile back to your face for all the hard work done. :)

Congratulations Shirley. Good note keeping is what paid off. Knowing that you already asked for validation, and being persistant with the bureaus will always pay off.

UPDATE!!!!!!!
I got a letter today from 'collection company of america'. It reads as follows:

Dear Mrs Shirley
I received your letter dated April 9, 2006. We have directed the credit reporting companies to delete the information as you requested. You will not be hearing from CCA further regarding this matter.
Thank you for bringing this to my attention. If this happens again, I would expect that you will call me immediately and I will correct the issue.
(goes on to give me numbers of how to reach them)

the compliance manager (leaving name off)


SO...how about them cookies!!!?????
Just wanted to let you all know that if something isn't right or legal, then fight it!!! I won this round!
And to recap on this situation. cingular hired CCA to collect. I wrote them within the 30 days to ask for validation. didn't hear anything. Wrote them again a second time, still didn't hear anything. Then checked my credit report, and BAM, there they were reporting on me. I fought them and the credit bureaus. I got it taken off.
This doesn't mean that I won't hear from someone else later on, but for now, I won this round. Also---if they could have validated, then they would have. They had several chances before and especially now when I was threatening to sue them for the $1000 for illegally reporting me...if they could have, they would have. shirley

Shirley,

I'm so glad that they removed that notation from your credit report. The things some of the collection agencies do just gives all collectors a bad name.

Good to hear that news, Shirley. You have put a tough fight with those companies on the disputed accounts and now, you have got the desired results. I am happy that you have been able to resolve this matter. Keep it up! Do not let anyone hurt your precious credit. It doesn't matter for the companies, but for an individual, our credit is very important.

thanks guys!! I'm pretty happy with myself over this. When the mail came today and I saw the envelope, I was like, wonder what this is about...then after reading the letter, I said 'YES'!!!!!!!!!!! my husband looked at me strange, I handed it to him. He was like wow, how did you pull that off and I explained. He doesn't realize all of the hard work I've put in, over the past year, trying to save us and put us in a safer place. I am so glad I found this forum, it definitely has taught me alot and I have come along way with what I have learned here. thanks to everyone here!!! hugs, shirley