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Contributor
miz
Posts: 82
Registered: ‎06-07-2007
0

collection company refusal

I have contacted three collection companies who say they CANNOT remove their reporting from my credit report.  Any ideas?  I have all paid collections and I have had one of them say no problem, I'll remove it right away.  They do NOT believe me when I say it's because THEY are reporting it that way; they say it HAS to be on my report for seven years!!!!! HELP!!!!
Valued Contributor
Boswd
Posts: 1,065
Registered: ‎04-26-2007
0

Re: collection company refusal

Some just won't,  I've tried and the ones I've dealt with were Portfolio, ECMC (student loan) LOL  ,  and NCO.      From what I've heard on other boards is, the big ones will give you the hardest problems.  Obviously everyone situation is different and some have been negotiating skills.
 
My advice would be is, make sure you have the money upfront to pay them and keep playing hardball as long as possible and continue to be a pest.   But at some point you have to know when enough is enough and they aren't going to budge and just pay it off.  
Contributor
miz
Posts: 82
Registered: ‎06-07-2007
0

Re: collection company refusal

No, these are PAID collections.  Dell Financial actually refused my pymt arrangement stating I would have to wait until it went to collection, so I did and paid it all off, now they won't take the collections part off.
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: collection company refusal



miz wrote:
No, these are PAID collections.  Dell Financial actually refused my pymt arrangement stating I would have to wait until it went to collection, so I did and paid it all off, now they won't take the collections part off.


What jerks. CIT bank sucks.
 
Unfortunately, they are not obligated to remove. As long as it is marked as paid they can tell you to go away. Have you tried speaking to a supervisor or submitting a GW through PFB?
Contributor
miz
Posts: 82
Registered: ‎06-07-2007
0

Re: collection company refusal

The gal at Dell was quite frustrating, interrupting me, telling me it has to be that way, saying no one here would refuse a payment from you.  Well, I am telling you, they DID.  That is EXACTLY how it went down.  They advised me to wait until it went to collections, make payment arrangements at that point.  I said I would payment $50.00 for now ($20.00 below actual pymt) and I remember him saying "that's not good enough."  And I asked "are you refusing my payment?" and he said "yes."  I remember it almost verbatim (that's the type of work I am in), and because I was so blown away by it all.  She was quite rude, saying there was no superviser I could speak with.  This was after being cut off from being on hold for 11+ minutes, calling back and being on hold another almost 10 minutes before I even got to the right department.  Frustrating.  The most frustrating thing is that these places are telling me there is nothing THEY can do.  I said, that is the way YOU are reporting it.  They say, no it has to be that way, I cannot change it.  One gentleman at another paid collections said I have been manager here for years and I have never been able to delete anything.  They aren't willing to try, either.  Oh well.  Cap 1 after things were paid off just showed the balance as paid in full, does not even show it went to collections, it looks like an awesome paid, closed account.  I KNOW they can DO it, but they just won't.  May try GW letter, we'll see . . ..
Contributor
miz
Posts: 82
Registered: ‎06-07-2007
0

Re: collection company refusal

PS, what is planet feedback?????
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: collection company refusal

www.planetfeedback.com
Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
0

Re: collection company refusal



miz wrote:
I have contacted three collection companies who say they CANNOT remove their reporting from my credit report.  Any ideas?  I have all paid collections and I have had one of them say no problem, I'll remove it right away.  They do NOT believe me when I say it's because THEY are reporting it that way; they say it HAS to be on my report for seven years!!!!! HELP!!!!


Did you call or write? Calling frequently leads to one talking with one of the semi-skilled gibbons who answers phones for CAs. Far better to write, Email or PFB.
 
As for their "we cannot remove" response, complete BS. The FCRA makes frequent use of the words accurate, complete, and their various other forms including accuracy and completeness. Many in the credit industry interpret this to mean "we cannot remove information". Malarky.
 
That which they report must be accurate and complete, and they often don't get that right. Balances, dates, et al. will frequently vary from one CRA to the next. If it's reported to all 3 CRAs, and it ain't the same on all 3 CRAs, then the information reported to at least one of the CRAs ain't accurate, complete or both and that's a violation. Cap 1 does not report CLs, and that would seem to violate the spirit and letter of completeness.
 
CRAs, CAs, and OCs aren't required to remove accurate information. However, nothing under the law prohibits them from removing accurate information. When you GW an OC or CA, you are asking them to remove accurate information. With a PFD, the OC or CA is agreeing to remove accurate information. If the OC or CA violates the law, and you send an ITS letter when you catch 'em on it, they will often agree to remove accurate information so as to avoid a lawsuit. Not always. Sometimes you have to actually file suit or take it all the way to court.
 
Some OCs or CAs don't report to all 3 CRAs. If the "we can't remove" nonsense were true, rather than only in the make-believe world where they are compelled to report, then they would be compelled to report to all 3 CRAs. For that matter, they would also be compelled to report to Innovis. If it fell into the area of one of the specialty CRAs, then they'd be compelled to report to them as well.
 
On another thread, a poster just recently posted about a car lease which had been paid ontime but was never reported to any CRA. Their answer was "we don't do that." Yeah, right. Had the poster gone into default on that lease you can be danged sure it would get reported to the CRAs.
 
Anyone have a rent payment or utility bill payment that doesn't get reported to the CRAs? How about a payday loan that was PIF and ontime but never reported? Go into default on one of those and see if it doesn't show up on your CRs. [That's a rhetorical statement. Don't default on your bills.] You can be sure that it will hit the CRAs and eventually, possibly, turn into a collection, a lawsuit, a judgment and a garnishment.
 
OCs and CAs aren't compelled to report anything. They choose to report when it suits them. Most choose to always report derogatory information. They often choose to report positive information, but less frequently than they report derogs.
 
Contributor
onmyway3161
Posts: 111
Registered: ‎05-13-2007
0

Re: collection company refusal

I just went through something similar today. Two of my unpaid medical collections on my report are 115.00 each. I called the CA and ask for a PFD and she said they were not allowed to do that. I told her I had already checked into this before I called and found out that they could. She said all they would do is mark it as paid. What good does this do. If it is still on your report as a collection it makes no difference. Why do they make it so hard to try to get your credit straightened out? I know a lot of us here have made mistakes in the past and have learned from them, but we are really trying to get our debts paid off. Some CA try to make it so hard. It just really frustrates me. :smileymad:
Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
0

Re: collection company refusal

Yet another example of how nothing good comes from calling a CA. CMRRR. If you can't prove it, then it didn't happen.

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