Reply
Regular Contributor
Posts: 109
Registered: ‎11-22-2011
0

Enhanced recovery please help

I had a collections from Enhanced recovery show up on my credit report. I contacted them and they can not find my info in their system, they said that it would be removed but it is still there. I have contacted them a few times, and I get transfered around and around and no one can help me because they cant find me in the system, and I never had a comcast account,  they had me fax in a copy of the report and my drivers license and a letter telling them that it needs to be removed. How do I get ths taken off?  What should be my next steps?


Starting Score: equifax 543myfico,experian (fako)634 quizzle, 605 walmart tu08
Current Score:equifax 649 myfico,experian 643 FICO (lender pull) , 651 walmart tu08, 650 Transunion 98 FICO (lender pull
Goal Score: 680 all three Dec 31 2012


Take the FICO Fitness Challenge
Established Contributor
Posts: 500
Registered: ‎05-11-2007
0

Re: Enhanced recovery please help

Go to the credit reporting agency that shows the account and dispute it. If the creditor cant verify the debt within 30 days, it wil be removed from your credit reports.
Epic Contributor
Posts: 20,948
Registered: ‎03-19-2007
0

Re: Enhanced recovery please help

From your post, I gather that the OC never reported to the CRA, and you never had an account with the OC.

Now a debt colletor is seeking payment of the alleged debt.

 

First, when the debt collector sent you a dunning notice, did you DV them?  In response to a DV, they must "obtain" verification from the OC.

They apprently will not be able to do that.  However, unless you live in Texas,they can sit on your DV request and not respond.

So, the DV process is the first step, but to compel response, I would also dispute.

 

If you also dispute, I would not suggest disputing through the CRA.  I would file a direct dispute with the debt collector, bypassing the CRA, and ensuring all of your supporting documentation is received by the debt collector.

 

Regular Contributor
Posts: 109
Registered: ‎11-22-2011
0

Re: Enhanced recovery please help

I never received anything from them in th mail.

Starting Score: equifax 543myfico,experian (fako)634 quizzle, 605 walmart tu08
Current Score:equifax 649 myfico,experian 643 FICO (lender pull) , 651 walmart tu08, 650 Transunion 98 FICO (lender pull
Goal Score: 680 all three Dec 31 2012


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 483
Registered: ‎06-07-2010
0

Re: Enhanced recovery please help

If directly disputing with the CA doesn't work then contact your states AG through phone certified mail or what have you.
Basically they bought a debt that had your name mistakenly or got switched with somebody else's either way if
its not yours its not yours. They don't have you in their records cool ... they don't have you in their records but
refuse to stop reporting you or delete not cool.

In fact it direct violation of one of the most basic rules of the FCRA... all information reported MUST be accurate.
You can sue if you chose to contact a consumer attorney willing to wait to be compensated until after the case
or you can front or representative yourself. Only can win up to 1000 however they also would have to pay
your lawyer fees.
EQ 715 8-4-12 // Walmart TU 720 8-11-12 // TU 04 744 (cc pull) 8-23-12 EXP (cc pull) 707 8-23-12
~~In my wallet: Chase Freedom, Discover More , US Bank, Walmart Discover, CitiDividend Platinum Select , Target Red Card

Photobucket
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.