New Member
savannah5
Posts: 3
Registered: ‎11-24-2007
Collection Reported with no prior attempt to notify me of debt..not even a letter sent via mail
Last month I received a fico score alert showing an almost 100 pt drop..from 760 to 662 because of 2 collections being reported to my credit report. Upon researching I found out that they were medical in the amounts of $43 and $52 from when my son injured himself back in May. These amounts were billed by one of the outside lab companies I think (total bills during his 3 day stay was over 10k mostly paid by insurance). Anyway, the collection agency said they would delete them if I pay which I did. They were supposed to be deleted Dec 1st as of today no alert. But, my main question is is this even legal in the first place? To report without first attempting to contact for payment. They acknowledged that they never sent a letter and they received the debt Nov 1st and reported to the bureaus Nov 6th. Thx
Mega Contributor
RobertEG
Posts: 18,456
Registered: ‎03-19-2007
Re: Collection Reported with no prior attempt to notify me of debt..not even a letter sent via mail

Yes, it's both legal and done regularly.

A debt collector is required under FDCPA 809(a) to give formal notice of their collection activity to the consumer within 5 days after any "intitial communication" with the consumer, not before.

While reporting to a CRA is not specifically mentioned in the statute as giving rise to the requirement for collection ("dunning") notice, case law has established it to be a triggering act.  If they failed to provide dunning notice within the 5 day period, they could be subject to sanction or possible legal action for the violation, but such is rarely done.  Failure to provide timely dunning notice is not, itself, basis for deletion of their prior reporting.

Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
Re: Collection Reported with no prior attempt to notify me of debt..not even a letter sent via mail
Send them a DV immediately.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
New Member
savannah5
Posts: 3
Registered: ‎11-24-2007
Re: Collection Reported with no prior attempt to notify me of debt..not even a letter sent via mail
I will do that right away, thanks!
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
Re: Collection Reported with no prior attempt to notify me of debt..not even a letter sent via mail

with medical its very common.  thats why i always preach to everyone especially if your insurance provider is involved to make sure everyone gets paid cause once an account gets slightly past due it gets sent over to collections right away and gets reported.  it happens alot.

 

 

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
New Member
savannah5
Posts: 3
Registered: ‎11-24-2007
Re: Collection Reported with no prior attempt to notify me of debt..not even a letter sent via mail
Yay!! Score went up to 766 today. Whew, I work too hard and pay too many bills on time each month to be penalized in that manner over a debt that I wasn't even aware of. Thanks everyone!