I hate CAs

[jordanmedical]

So I got in contact with the original merchant, mini ER, because I got an insurance statement that the account was paid shortly after my visit after the car accident. They informed me that it was only partially paid after contacting my insurance company and advised what I still owed. I told the office manager I had no idea it was only partially paid as the EOB doesn't state this. I ask her about removing it from my credit reports since they were sending billing statements to an address I was at almost 2 years ago. She was saying how she wasn't sure how to and I pressed her more so she called the CA. She called me back almost immediately stating she had them pull the acct and it would be deleted and that I am to send my payments to her til the acct is paid off. So I still see it on my reports so I contact the CA, they first say it is no longer in their offices then back track in say they weren't notified of payment or that it will be deleted, blah blah blah. He said something about me writing a letter of why it should be deleted. I said, "No the merchant already called you guys and took the account back due to as your notes quote a misunderstanding". He continues to talk in circles so I hung up and called the merchant and left a message. I'm supposed to make another payment today to the merchant, but if it's not going to be deleted why bother. I'm so confused, what should I do?

[apandabear]

I'm going to let someone else answer in more detail, because I'm not sure what I'm allowed to say here.. 

But from what I understand, it is in your best interest to pay the original creditor, because then the collection agency *shouldn't* be reporting to the CRA.

Once you've paid in full, if the collection agency hasn't removed it, I'd dispute.

Keep in mind it can take some time for that deletion to take effect.

[jordanmedical]

So I got a call back from the OC and she said she called again and spoke to the same rep, who advised her it was cancelled and be removed. She gave me the reps name.

[RobertEG]

What you need is a clear, written statement from the OC that the collection itself was improperly referred to the debt collector, and thus there is no collection in fact.

Armed with that, you have basis for disputing the reporting of a collection by the debt collector.

Absent that, if the collection referral was proper, the debt collector has the right to report their collection to the CRA.  The OC cannot compel their debt collector to delete accurate reporting. There is no such thing as an OC "recalling" reporting made by others.  They can terminate the collection authority, thus requiring the debt collector to close the collection and update the balance they are authorized to collect to $0, but unless you can establish that the collection referral itself was improper/inaccurate, I see no basis for compelling its deletion.

[luckelle]

+1. I concur

[jordanmedical]

So all I need is something in writing from the OC that says they referred it to the collection agency by mistake due to not providing me with information due to an incorrect addy? My question is why when the OC contacted the CA, did they say we've cancelled the account and will have it removed. Can the Ca legally lie to the OC on a recorded line?

[luckelle]

From what i know in my profession about the law. If it aint in writing it never happened. have them mail or email you the mistake letter or that they pulled it from the collections agency

[jordanmedical]

It's come off my Ex, now just waiting for my EQ

[jordanmedical]

It's off EQ too, seems like I got a 7 point increase from it. 1 collection left on EQ but it's from 8 months ago so it's still hurting my score quite a bit. EX has 1 left too but it falls off in January. TU has 2 but they're both medical.

[Repo-ed]

I would then suspect it will fall off TU very shortly.