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OC letter granting deletion, CA refusing! What to do?

Regular Contributor

OC letter granting deletion, CA refusing! What to do?

So I have an email from the original creditor (insurance company that double billed me in error). The OC granted me a good will deletion as it was their mistake, and now the CA is REFUSING to remove it from my credit. What can I do? I have the proof in my emails with the OC, but the CA is being awful. They wouldn't accept the email as verification, so my insurance agent called them himself and they told him they wouldn't delete it either. Doesn't the OC have the final say? Help!


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


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Message 1 of 9
8 REPLIES
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Established Member

Re: OC letter granting deletion, CA refusing! What to do?

If the OC contacts the CRA then they will remove it.

Message 2 of 9
Established Contributor

Re: OC letter granting deletion, CA refusing! What to do?

Yes, since the CA was hired by the OC, they work for them.  If your OC calls and tells them to remove the reporting, they absolutely should.

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Message 3 of 9
Regular Contributor

Re: OC letter granting deletion, CA refusing! What to do?

That's the problem, he contacted them and asked them to delete it, and they told him they don't delete anything. Do I have any legal recourse?


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


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Message 4 of 9
Moderator Emeritus

Re: OC letter granting deletion, CA refusing! What to do?

Seems to me that the CA is taking a stance that is ultimately is going to cause them time and grief.  I would contact them and advise them  once again that this was a billing error by the OC and that deletion will cease any further action on your part.  Word it nice but strong.

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Message 5 of 9
Regular Contributor

Re: OC letter granting deletion, CA refusing! What to do?

Three phone calls today, and it got me nowhere. They won't budge. I never dreamed I would have the golden ticket in my hand and that the CA could just sit back and refuse it. I am at a loss. Trying one more time to get the OC to call and ask again, but I feel like a jerk hounding the poor guy. I really feel like he has done enough to help me, and they are just blocking all my and his efforts. Hopefully something good will happen. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Message 6 of 9
Frequent Contributor

Re: OC letter granting deletion, CA refusing! What to do?

Have the OC contact the CRA's notifying them that the account was sent to collections in error and should be deleted.  You can also dispute the collection with the CRA's.  I would do it via mail with a copy of the communication you have had with the OC attached to a letter explaining the situation.

Message 7 of 9
Regular Contributor

Re: OC letter granting deletion, CA refusing! What to do?

Good idea, I thought about that. I wondered if the CRA would consider it, since its an email. What do you think?


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Message 8 of 9
Frequent Contributor

Re: OC letter granting deletion, CA refusing! What to do?


jandj80 wrote:

Good idea, I thought about that. I wondered if the CRA would consider it, since its an email. What do you think?


Worth a shot.  Especially if you include your OC contact's name, phone number, and email address.

Message 9 of 9