FUSTRATED! Sent a DV and in return the CA put it on another credit report. Help!

[glamchick]

I have a dental charge of $150.00 that my insurance did not pay.  I did not know this and my dentist went out of business and sold my account to a CA 4 years ago.  The CA is actually only one person.. the president the CEO etc.  he works for himself and is a terrible person.  I have been trying for 4 years to get this off my equifax report.

I mailed another DV and now he has posted another $150.00 on my experian report for the date of 4/1/11.  Is that legal for him to do that for something that is 4 years old?

One other important piece.... they HAVE NOT answered my DV!  So this means they have no proof I owe the money.  Please help

[guiness56]

What is the $150 for? 

Yes, they can continue to add interest but they can't charge you another payment.

Until they answer your DV they are not supposed to continue collection activity.  Reporting to the CRA is considered collection activity.

[glamchick]

It was for a dentist bill about 4 years ago.  The dentist no longer exists and he sold it to a mean CA .  There is no interest acruing he has just added the $150.00 bill to my experian report.  It was originally only on my equifax report.

[guiness56]

Sorry, I misunderstood your post.  But, yes, as long as the 7.5 years have not passed it can be added to any of the CRAs.

But since he has not answered your DV he is not supposed to.  Seems it would be a violation.

[glamchick]

So what is my next step?  Another DV?

[guiness56]

You could.

Maybe a nice letter quoting the FTC opinion about reporting before answering a DV is in violation and see what happens.