Question about questionable agency reporting method
Date: Sat, 11/03/2007 - 07:51
Geneva IL
630-232-2545
As a student in Cambridge MA, when I left my apartment and paid off utilities, one additonal month of a gas bill remained in my name after I left as a result of the landlord. The bill was less then $80.
Years later, and after never recieving a single notice of this debt/bill, a collection agency called me, and informed me of this debt, and I PAID IT off immediatly right on the phone.
After this, this same agency sent a negative collection notification to all three credit reporting agencies!!!!
My perfect credit is blemished by my attempt at fixing a unkown debt.
Can I do anything? United Portfolio (very rude and sarcastic) said I need to call Nstar to fix it. Nstar stated that because they wrote this debt off it is up to the collection agency. The agency isn't going to fix a thing.
Can I do anything? This is so unfair. All I did was pay a small debt that I was not properly billed to me.[color=Black][/color]
I moved in 02. The date the agency "opened" the debt 07 200
I moved in 02.
The date the agency "opened" the debt 07 2006. The date they closed this was 07 2006.
Obviosuly I paid it as soon as I was notified.
Also, The agency did not add a paid-on date to my report, yet indicated that tit was paid...
So it went unpaid in 2002 and the original creditor did not list
So it went unpaid in 2002 and the original creditor did not list a account on your report. Later a collector bought it and you paid it in full. Going by Federal law it can be on your report until 2009 unless you can get collection agency to remove by goodwill gesture or force removal due to reporting violations. Remove account numbers and post the account as it appears on your report.
Yes. It was not reported until after I apid the debt. Here is
Yes. It was not reported until after I apid the debt.
Here is as it appears (without formatting):
Account: Collection
Original Creditor: UNITED PORTFOLIO
Type: Unknown
Bureau Tradeline
Type Date
Open High
Limit Original
Balance Account Balance Last
Reported Account Status Date
Paid
EFX Individual 2006-07 - $76.00 $0.00 2006-07 Paid -
Have you tried a credit bureau dispute yet because amazingly thi
Have you tried a credit bureau dispute yet because amazingly this account is looking accurate from what you posted?
yes, everything is 100% accurate. So, based upon what you kn
yes, everything is 100% accurate.
So, based upon what you know - this does seem unusual right? What should be my basis for dispute?
Since you never received any notice of account,the only dispute
Since you never received any notice of account,the only dispute I see is you don't recognize the account. If this is unsuccessful you may have to let it sit there for a little while and age.