Cryptic Agency

[Anonymous]

I have 2 collections shown on a credit report where both the creditor and collection agency show as an unidentifiable series of crypric numbers and letters.  How am I supposed to track down these companies? I have requested clarification from the reporting agencies and have not yet received a response.  Is this common & how should I respond?

Thanks

Do

[SmartCookie]

Sounds like a medical collection.  Does any information on it look familiar?  I would do nothing until you get a response back.  You did a regular dispute?  What reason did you use?  If I did not recognize it I would have disputed as 'not mine' instead of asking them to clarify.

[Anonymous]

Well, I told them that I couldn't dispute them if I couldn't identify them.  If I find out that they are mine I was going to try the pay for delete letter.  Do you think medical collections are less inclined to respond to a PFD?

[SmartCookie]

I understand how you proceeded.  For people doing this the first time though, if you don't recognize something it really is best to dispute as 'not mine' as the burden of proof is on them not you. 

So these are on all 3 reports?  Are any past SOL?  What dates are showing? 

Hopefully they will wipe them, but if they detail them further and at that point you recognize them, yes PFD.

You should try to settle with the OC by way of PFD if they still own the debt though. That will remove all info (even CA) that is related.  If the debt was actually sold to the CA, proceed with them in the same way.  No they are not less inclined, probably more inclined IMHO especially if you find out the OC still owns it.  Both will usually settle for less and the OC in a medical collection will typically be the least expensive to settle with.

Message Edited by SmartCookie on 10-17-2007 11:55 AM

[Anonymous]

They are only showing on Equifax, for both me and my wife. Last report date jan 2005. Now that I look closer it shows they are paid. Was it a mistake to bring attention to them? Will they now report differently since I asked for info?

[SmartCookie]

First, do nothing until you get your dispute results.

Now, is this the same identical collection that is appearing on both of your reports, or different ones with the same company?

Report date doesn't mean much.  What other dates are showing?  Cut and paste both if you can, for both the OC and CA on each of your reports (4 TLs), removing any identifying information.

Also, do you recall who you paid what to when?  The OC or the CA?

Message Edited by SmartCookie on 10-17-2007 12:30 PM

[Anonymous]

Here you go. It's the same info for both me and my wife.

________________________________________________

Collection on debt to: Not on Record

The collection agency "728yc00000" was hired to collect a debt of $373 originally owed to "Not on Record" on account number "XXX0825".

Collection agency [?] 728yc00000

Original balance [?] $373

Current balance (as of Jan 01,2005) [?] $0

Status (as of Jan 01, 2005) [?] Paid

Date assigned [?] Dec 01, 2003

Date reported [?] Jan 01, 2005

Date last active [?] Mar 01, 2003

Original lender [?] Not on Record

Account number [?] XXX0825

Account holder [?] Individual

_____________________________________________

Collection on debt to: Not on Record

The collection agency "728yc00000" was hired to collect a debt of $50 originally owed to "Not on Record" on account number "XXX0818".

Collection agency [?] 728yc00000

Original balance [?] $50

Current balance (as of Jan 01,2005) [?] $0

Status (as of Jan 01, 2005) [?] Paid

Date assigned [?] Dec 01, 2003

Date reported [?] Jan 01, 2005

Date last active [?] Mar 01, 2003

Original lender [?] Not on Record

Account number [?] XXX0818

Account holder [?] Individual

[Anonymous]

Pull a report directly from EQ.

[Anonymous]

I will -

maybe you could help me out with this one, too.

http://ficoforums.myfico.com/fico/board/message?board.id=loans&thread.id=3089

[SmartCookie]

Ok the both the paid $373 and the $50 should drop March 2010 even if you did nothing.  My question is whose bill was this, yours or your wife's, or did you both have the same seperate bills?  If it was just one of you, the other disputes as 'not mine'.

Hopefully your current disputes will result in having this all dropped off.  Since there is only a little over 2 years left on this, I think it's going to be wiped.

When did you dispute and has the status come in yet?