04-08-2013 02:57 PM
So, I'm trying to get my credit fixed. I have a *paid* collections account on my record from 2008 for an ambulance. I never used an ambulance before 2009.
My credit report gave me the number of a local EOS CCA office (20 miles away).I called them. They looked me up. I don't exist in their local records. They gave me corporate's phone number. I call. After waiting 20 minutes, I get an operator. I explain my situation, he transfers me to someone else. I explain my situation again, and then I'm transfered to the chicago office (I live near chicago), which has broken voice mail and no operators.
I tried calling their corporate office back again, repeatedly, and the phone drops randomly, rings forever (literally, no waiting message), etc
I can't get a real person that knows what to do about an account that shouldn't exist.
How do I actually talk to someone here?
04-08-2013 03:21 PM
04-08-2013 06:48 PM
I sent them a DV CMRRR and they were very quick to respond with a letter back saying they will delete-- which they also did quickly.
04-08-2013 07:36 PM
04-08-2013 07:38 PM
This is the sample I found
Name of CA
Address of CA
Re: Your Account No:
I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
Please dispatch copies of the following with your reply:
1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
04-08-2013 07:53 PM
The only thing they have to give you is the amount owed and who is currently collecting. If you ask for the name and address of the OC they have to provide that. You can ask for an itemized accounting of the debt also.
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.