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A few weeks ago a collection (Enhanced Recovery) hit my TU & EX. This was the first contact, I received nothing in the mail beforehand from the CA. I sent a DV letter (CRRR) to the CA to get further information. It was the balance of a closed DirecTV account from 2010. They sent me a letter which noted...
"...in acknowledgement of your dispute, we have requested the account be removed from all credit reporting agencies."
It was indeed removed. Included with their letter was a statement from DirecTV and a letter from DirecTV which stated...
"Please remit the balance due, in the amount of xxx.xx, to the following address, to avoid further collection action."
The payment address is for DirecTV and not the CA.
I plan to pay this today. I'm going to send it with delivery confirmation.
Is there anyway the CA can put it back on my credit report as a paid collection? or since I paid it to DirecTV directly in full, can I avoid that?
Hello,
What is the CA name?
Cynthia1123 wrote:
Hello,
What is the CA name?
Enhanced Recovery
OP states Enhanced Recovery is the CA. I've never heard of them.
In my opinion, yes, they could report again, but are very unlikely to do so.
With the collection now being paid, reporting would serve no business purpose on their part.
Additionally, their voluntary deletion indicates that, even prior to payment, they did not want credit reporting hassle issues.
However, considering the unlikely possiblity that they do, you could challenge on the basis that:
(1) they never provided debt verification, and thus reporting is barred based on your unanswered DV.
In my opinion, not a great argument, as your payment would inherently obviate any issue of verification, and their reporting would additionally no longer be an action related to collection on the debt, as their collection was closed upon payment.
(2) payment to the OC terminated their collection authority, and based on the CRA policy that a terminated collection should be deleted by the debt collector, any such reporting should be deleted. No FCRA requriment that they delete the accurate reporting of having had collection authority, but reliance on CRA reporting instructions.
I see little or no reason for the debt collector to want to get involved in those esoteric arguments.
I would assume they will move on to bigger issues.
Thanks Robert! I appreciate your help!