Reply
Valued Member
Posts: 28
Registered: ‎08-18-2007
0

Finding the collection agency name for Equifax collection

I couldn't find it in the search by trying to find the collection companies name from my Equifax report. All I have is something that looks like 608YC00000. Can someone point me in the right direction so that I can send a DV Letter?

Moderator Emeritus
Posts: 5,267
Registered: ‎03-18-2008
0

Re: Finding the collection agency name for Equifax collection

This probably represents a medical collection, with the name of the creditor blocked for privacy.  Did you pull this report from this site or another third party credit report service?

Valued Member
Posts: 28
Registered: ‎08-18-2007
0

Re: Finding the collection agency name for Equifax collection

I pulled the report direct from myfico. It seems that all 6 collections don't show the CA and all but 1 are medical. How would I go about sending a DV letter if I cannot find out who the CA is?

Epic Contributor
Posts: 20,319
Registered: ‎03-19-2007
0

Re: Finding the collection agency name for Equifax collection

That is the primary reason why the FDCPA mandates the sending of collection (dunning) notice to the consumer.... so that they are advised of how to exercise their statutory right to request debt verification.  I presume the debt collectors never sent dunning notice?

Valued Member
Posts: 28
Registered: ‎08-18-2007
0

Re: Finding the collection agency name for Equifax collection

Not that I can recall. What is my next step, do I need to dispute via Equifax?

Moderator
Posts: 16,573
Registered: ‎07-14-2009
0

Re: Finding the collection agency name for Equifax collection


atxhunter wrote:

I pulled the report direct from myfico. It seems that all 6 collections don't show the CA and all but 1 are medical. How would I go about sending a DV letter if I cannot find out who the CA is?


Reports from third party sites (including myFICO) often don't have the most complete information. If you pull your free reports from annualcreditreport.com the information you're looking for should be listed. At least that is my experience.

Epic Contributor
Posts: 20,319
Registered: ‎03-19-2007
0

Re: Finding the collection agency name for Equifax collection

Failure to have sent dunning notice is not a disputable item.

It is a debt collection practices violation of the FDCPA, not an issue of accuracy of credit reporting.

You might call the CRA again, explain your dilemma, and attempt to get their address.  It is in your credit file......

New Visitor
Posts: 1
Registered: ‎01-16-2013
0

Re: Finding the collection agency name for Equifax collection

Yes, I pulled my report from this site.  What are my next steps?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.