Reply
Established Contributor
Posts: 520
Registered: ‎02-27-2012
0

Collection on CR without Creditor Name

I have a medical collection on my credit report, and one on my wife's credit report (both have different balances and acct. #'s) that do not have a creditor name listed. These are being reported only by Experian, and I found this information on a 3-bureau CR from a lender pull. However, I looked at my CR from Experian and this account does not show. How can a collection be reported on a CR without stating who it's from or who the OC is? How do I find out who owns this debt? Do I dispute with the Experian?


AMEX PRG - NPSL I AMEX Everyday Preferred - $22.8k I Chase Ritz-Carlton - $21k I NFCU Flagship Rewards Visa Signature - $10k I NFCU CashRewads Visa Signature - $10k I NASA FCU - $10k I Texell FCU Visa - $5k I Citi Double Cash - $3.6k I NFCU CLOC - $15k

EQ FICO - 679 (2/6/15) I TU FICO - 686 (2/6/15) I EX FICO - 698 (2/6/15)
Frequent Contributor
Posts: 342
Registered: ‎02-10-2012
0

Re: Collection on CR without Creditor Name

If the report was pulled from a 3rd party, it will leave out a lot of information sometimes. Pull your report directly from EX. If you haven't pulled your free report in the last 12 months, go to annualcreditreport.com and get it. If you have already done this, just go pull a report directly from EX's website. It will have much more detailed info than from 3rd party pulls.


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,142
Registered: ‎09-01-2011
0

Re: Collection on CR without Creditor Name


js0319 wrote:

However, I looked at my CR from Experian and this account does not show.



I've often wondered if the CR that we get directly from the CRAs shows "EVERYTHING."   Also, I've heard some on here describe what "we" get from annualcreditreport as a "sanitized" version and, that the actual reports that lenders get have A LOT more information on them that we never see.  

 

But, who knows what the straight of it really is.  I would love to hear from someone on here who is a lender and pulls CRs all the time so that we would KNOW for sure what's what. 



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Epic Contributor
Posts: 20,109
Registered: ‎03-19-2007
0

Re: Collection on CR without Creditor Name

No CR you get from anyone shows "everything."

You credit file is thousands of lines of codes, reflecting everthing from your ECOA code, Payment Rating code, sometimes DOFD, etc. etc.

All CRs, regardless of origin, are just a pick and choose.

 

FDCPA 809(a) is there so that a consumer does not have to rely on their credit report to become aware of the reporting of a collection, the name of the creditor, the amount of the debt, the ability to request debt validation, their contract address, etc.  Many consumers dont even pull their CRs.

Upon reporting to a CRA, that triggers the requirement that they provide you dunning notice within 5 days.  In that notice,the name of the creditor is required.

 

I would not dispute at this point.  You probably, without knowing more, dont have enough info now to assert an actual inaccuracy in their reporting.  And I doubt that you want a dispute flag placed in your credit file, as that will temporarily make your current FICO score useless.

 

I would call the CRA, explain that the debt collector has never contacted you, and that you need their address to send them a debt validation request.  Reporting of a collection requires the name of the reporting party, and the name of the creditor.

 

The debt collector's apparent violation of FDCPA 809(a) has put you in this position.

Established Contributor
Posts: 520
Registered: ‎02-27-2012
0

Re: Collection on CR without Creditor Name

Great info! I'll call Equifax on Monday.


AMEX PRG - NPSL I AMEX Everyday Preferred - $22.8k I Chase Ritz-Carlton - $21k I NFCU Flagship Rewards Visa Signature - $10k I NFCU CashRewads Visa Signature - $10k I NASA FCU - $10k I Texell FCU Visa - $5k I Citi Double Cash - $3.6k I NFCU CLOC - $15k

EQ FICO - 679 (2/6/15) I TU FICO - 686 (2/6/15) I EX FICO - 698 (2/6/15)
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.

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.