Hey guys - I'm counting on your expertise to help me on this one!
A long long time ago I went on a couples date with a guy and when I made it clear that I wasn't interested in seeing him again he sued me for the cost of our most recent date. I was too embarrassed to show up in court, and much too stubborn to pay him. Now I have a set of duplicate collection accounts on my account and don't know what to do to get rid of them.
I attempted to dispute these with the credit bureaus as duplicate accounts but they came back as validated. The debt is mine, but there should only be one record of it. Should I DV first or a PFD? I'm more than happy to pay at this point but want to make sure that if I do a PFD that they remove both entries.
Here's what my my credit report:
Date Reported: 04/2010
Date Assigned: 10/2005
Original Amount Owned: $176
Date of 1 st Delinquency: 09/2005
Balance Date: 04/2010
Balance Owned: $291
Last Payment Date : N/A
Status Date: 04/2010
Status: D - Unpaid
Date Reported: 09/2006
Date Assigned: 10/2005
Original Amount Owned: $176
Date of 1 st Delinquency: 09/2005
Balance Date: 09/2006
Balance Owned: $218
Last Payment Date : N/A
Status Date: 09/2006
Status: D - Unpaid
I removed the account numbers, but with the exception of a letter at the beginning they were the same.
Starting Score: 625
Same CA
So.. he actually did
I received a call from one of their producers... So embarrassing. Needless to say I declined their offer to be publicly humiliated..
I mailed a PFD shortly after posting this, and they didn't respond. I know they received the letter because they actually sent me a communication on the debt (the first I've received) so they do have my address now.
Should I send another PFD? Or do I need to DV first to get rid of the duplicate?? Really want to get this off my CR!
I would dispute this piece by piece and chip away at how it is reporting with the CRA's. My firsat grounds of disputing this would be for an account number to exsist there must be an account. And beint that this was as a result of a date who is this an account? There was no business relationship here in which a contract was entered. Was a promissory note signed? Did you have an agreement of some sort? I am confused as I am wondering how he was able to have this placed as a collection as an individual?
@Lululime wrote:Hey guys - I'm counting on your expertise to help me on this one!
A long long time ago I went on a couples date with a guy and when I made it clear that I wasn't interested in seeing him again he sued me for the cost of our most recent date. I was too embarrassed to show up in court, and much too stubborn to pay him. Now I have a set of duplicate collection accounts on my account and don't know what to do to get rid of them.
I attempted to dispute these with the credit bureaus as duplicate accounts but they came back as validated. The debt is mine, but there should only be one record of it. Should I DV first or a PFD? I'm more than happy to pay at this point but want to make sure that if I do a PFD that they remove both entries.
Here's what my my credit report:
Date Reported: 04/2010
Date Assigned: 10/2005
Original Amount Owned: $176
Date of 1 st Delinquency: 09/2005
Balance Date: 04/2010
Balance Owned: $291
Last Payment Date : N/A
Status Date: 04/2010
Status: D - Unpaid
Date Reported: 09/2006
Date Assigned: 10/2005
Original Amount Owned: $176
Date of 1 st Delinquency: 09/2005
Balance Date: 09/2006
Balance Owned: $218
Last Payment Date : N/A
Status Date: 09/2006
Status: D - Unpaid
I removed the account numbers, but with the exception of a letter at the beginning they were the same.
