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Yes. They called me on the phone yesterday. They swore they contacted collection dept. and they tried everything to delete. But it's just not possible. They stated it is marked paid in full. So they apologize. But I just let it go. Only 18 months to drop off.
I would send GW letters to the top dog of that company every month until this falls off naturally, explaining to that person that you were told this would be deleted from all 3 CRA's, and somewhere along the line the signals got mixed & it was only updated.
An apology from a company when they promise to delete but instead just update isn't good enough. You upheld your end of the bargain, now it's time for them to do the same.
If I understand the post correctly, a debt collector reported a collection, you paid the OC, and the OC promised that the collection would be deleted?
If that is the scenario, the problem is that the OC had no authority to make any promise regarding credit reporting they did not make.
Only the debt collector can agree to delete their own reporting.
Thus, the agreement is not binding upon the debt collector.
There is no path for the OC to correct their mistake other than asking the debt collector to now delete.
@taxi818 wrote:Yes. They called me on the phone yesterday. They swore they contacted collection dept. and they tried everything to delete. But it's just not possible. They stated it is marked paid in full. So they apologize. But I just let it go. Only 18 months to drop off.
Awww Taxi! That blows. I was crossing my fingers for you. I would at least try and GW the CEO of the collection company.!
@RobertEG wrote:If I understand the post correctly, a debt collector reported a collection, you paid the OC, and the OC promised that the collection would be deleted?
If that is the scenario, the problem is that the OC had no authority to make any promise regarding credit reporting they did not make.
Only the debt collector can agree to delete their own reporting.
Thus, the agreement is not binding upon the debt collector.
There is no path for the OC to correct their mistake other than asking the debt collector to now delete.
Doesn't the OC need to get the debt back to be able to accept payment? There for the debt collect has no debt to collect on? Or am I over thinking this?
@Scupra wrote:
@RobertEG wrote:If I understand the post correctly, a debt collector reported a collection, you paid the OC, and the OC promised that the collection would be deleted?
If that is the scenario, the problem is that the OC had no authority to make any promise regarding credit reporting they did not make.
Only the debt collector can agree to delete their own reporting.
Thus, the agreement is not binding upon the debt collector.
There is no path for the OC to correct their mistake other than asking the debt collector to now delete.
Doesn't the OC need to get the debt back to be able to accept payment? There for the debt collect has no debt to collect on? Or am I over thinking this?
If the OC owns the debt then they need to recall the collectors prior to accepting payment and you need to have that commitment in writing or verbally prior to actually making the payment. Once they say they will recall then its ok to pay the OC, something went awry in how this particular debt was handled or a lack of communication between the OC & their CA. If the OC has sold the debt off to a JDB there is no recalling anything and you must deal with the JDB or their assigns to settle it.
An OC can accept a payment even without recalling their collector, they would just take the funds and tell the CA its been paid so it updates to a paid collection.