A collection agency recently reported a charge that I have repeatedly disputed in writing over the past 2 years (with the original creditor along with 3 other collection agencies).
I made it clear in every piece of correspondence that I will pay the charge (it's a "contract termination fee" for a mobile phone provider) IF they prove I agreed to a contract (I believe I was "slammed" by the retailer).
I know I need to make a consumer statement about the charge (and am doing it) but I have a couple of questions
Isn't the company that reports this "bad debt" required to state that it is disputed when they report it?
If yes, what recourse do I have since they didn't report it as disputed?
If no, does the consumer statement really make a difference?
This is my only "bad" item & it's only listed on one of the 3 CR's - my credit score on that particular CR is more than 70 (SEVENTY) points lower than on the other 2.
