topic Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple in General Credit Topics

Cox collection removed months ago but new letter from another collection agency-Advise please!

Anonymous — Sat, 18 May 2019 13:46:24 GMT

I had a Cox collection put on my report in summer 2018. This happened during a move, they charged me for 2 additional months even though we moved out and requested to disconnect the service. We had to move twice in two months, so I did not realzie what happened until it was too late. When I called Cox they admitted charges were iffy, but I was too late to contest. So it went to collection, I disputed the account with credit bureaus and got it removed. Fast forward to this week, got a brand new collection letter from another collection agency and totally freaking out about it hitting my credit reports again. What would you recommend doing?

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Brian_Earl_Spilner — Fri, 17 May 2019 15:13:29 GMT

So is Cox saying you owe them, or not? "Iffy" makes me assume they aren't willing to admit it was an error.

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Anonymous — Fri, 17 May 2019 15:19:12 GMT

They don't really admit it. They said they probably would have removed charges if I contacted them earlier since the charges post date my move but once the account is in collection they won't touch it

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Brian_Earl_Spilner — Fri, 17 May 2019 15:31:24 GMT

I don't see how they have a choice. They can't charge you for service at an address you're not at. They should recall the debt.

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

CramEiko — Fri, 17 May 2019 15:42:33 GMT

@Brian_Earl_Spilner wrote:
I don't see how they have a choice. They can't charge you for service at an address you're not at. They should recall the debt.

Good Luck!

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Anonymous — Fri, 17 May 2019 18:50:24 GMT

Was there any equipment involved? I used to work for Comcast and by law, your service has to stop being billed either the day you return equipment, the day your transfer is scheduled for install if you are transferring to a new address, or the day you call and schedule a disconnect if there is no equipment. The only time that you can continue to be billed beyond that is if you didn’t specifically request to be disconnected or if you had leased equipment in which case billing continues until the date of return. Cox can’t sit there and tell you that you’re beyond some imaginary point where they can’t do anything if this was legitimately their fault. Ask for a supervisor and escalate it.

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

RobertEG — Tue, 21 May 2019 22:30:30 GMT

If informaton is reported after it has been deleted as the result of a prior dispute filed via a CRA, there is an additional step that the reporting party must make in order to have the deleted information reinserted. Deletion as a result of a dispute is not absolute, but reinsertion cannot be made without first complying with the additional certification requirment of FCRA 611(a)(5)(B).

More speifically, if information is deleted by a CRA as a result of a finding in a dispute that the accuracy cannot be verified, then reinsertion by any party requires that they must provide a certification of accuracy to the CRA along with the proposed reinsertion.

The CRA must then notify you that they have reinserted based on their receipt of a certification of accuracy.

See FCRA 611(a)(5)(B).

Did you receive a Notice of Results of Reinvestigation from the CRA stating that they (i.e., the CRA) deleted as a finding in their dispute reinvestigation, or was the prior collection deleted by the debt collector prior to any Notice of |Results of Reinvestigation?

If, for example, upon receipt of the dispute for their investigatin, the debt collector determined that they no longer had active collection authority, then CRA policy requires that they report deletion of their collection. That deletion would not be a deletion done by the CRA as a finding in the reinvestigation of the dispute, and thus no reinsertion provisions would apply.

If the CRA did send a Notice of Results of Reinvestigation, which evidences that the deletion was done by the CRA as opposed to the debt collector, then you must also have received a separate written notice from the CRA when the reinserted a collection, showing that the new debt collector complied with the Certification of Accuracy provision of section 611(a)(5)(B).

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Anonymous — Fri, 17 May 2019 23:01:06 GMT

@RobertEG wrote:
If informaton is reported after it has been deleted as the result of a prior dispute filed via a CRA, there is an additional step that the reporting party must make in order to have the deleted information reinserted. Deletion as a result of a dispute is not absolute, but reinsertion cannot be made without first complying with the additional certification requirment of FCRA 611(a)(5)(B).

More speifically, if information is deleted by a CRA as a result of a finding in a dispute that the accuracy cannot be verified, then reinsertion by any other party requires that they must provide a certification of accuracy to the CRA along with the proposed reinsertion.
The CRA must then notify you that they have reinserted based on their receipt of a certification of accuracy.
See FCRA 611(a)(5)(B).

Did you receive a Notice of Results of Reinvestigation from the CRA stating that they (i.e., the CRA) deleted as a finding in their dispute reinvestigation, or was the prior collection deleted by the debt collector prior to any Notice of |Results of Reinvestigation?
If, for example, upon receipt of the dispute for their investigatin, the debt collector determined that they no longer had active collection authority, then CRA policy requires that they report deletion of their collection. That deletion would not be a deletion done by the CRA as a finding in the reinvestigation of the dispute, and thus no reinsertion provisions would apply.

If the CRA did send a Notice of Results of Reinvestigation, which evidences that the deletion was done by the CRA as opposed to the debt collector, then you must also have received a separate written notice from the CRA when the reinserted a collection, showing that the new debt collector complied with the Certification of Accuracy provision of section 611(a)(5)(B).

Thank you!!!! I did receive a Notice of Results of Reinvestigation from the CRA stating that they deleted, so based on this I assume another collection agency can't randomly report this for the same debt? I do not know what documentation they have, I am contemplating contacting COx again, asking for a supervisor again, and hope to find someone more reasonable maybe?

There was no equipment involved, at least I returned it all and have a bill that shows it was returned. They apparently did not disconnect services on the day I requested, then soft disconnected the service on the house I moved from, then sent someone to physically disconnect as I requested, and charged me through all of this and more. I have all the paperwork still but need to find someone who'd listen and do something about it, which is hard once the account is in collections. Everytime I call they tell me to call the collection agency

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Anonymous — Sat, 18 May 2019 01:24:42 GMT

Once a company charges off an unpaid debt and sells it to a collection agency, they have nothing to do with it any longer. The collection agency is in control of collecting what they can They want their money back after purchasing your debt. If you pay it now, you'll revive the collection and it'll be updated on your report. Do -nothing-. They will hound you for a few years but, if you remain silent, your credit report won't be touched.

Say nothing. Do nothing.

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

RobertEG — Sat, 18 May 2019 07:24:37 GMT

Say nothing and do nothing is an ostrich plan that will not prevent the debt collector from continuing to update their collection to show that it remains unpaid. Simply letting the period of delinquency continue to increase does not improve scoring, and if still within SOL, could lead to civil action.

Each time they update, which can be monthly, that affects scoring by increasing the time since initial delinquency.

Paying will terminate, as of date paid, the total period of delinquency and thereafter permit the collection to begin to age in scoring impact rather than to continue to increase in negative impact.

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Anonymous — Sat, 18 May 2019 14:08:51 GMT

And, just like that, it hit my EX this morning, dropping my score crazy bad No warning, no nothing. I think I might have disputed this with another CRA, so this is crazy, I'll start a dispute again immediately, and go from there ((((

Just for the record: I'd never leave a collection account on CR, I was asking more about the disputed and removed account hitting the CR a second time through another collection agency and legitimacy of it.

Re: Cox collection removed months ago but new letter from another collection agency-Advise please!

Anonymous — Sat, 18 May 2019 13:54:18 GMT

Metis this really sounds like a deliberate ploy by the collection agencies to push you into a payment! SMELLS bad. Seems as though a formal complaint to the FCRA is in order! Really stinks!!! These games should come with a penalty to the collection agencies that goes beyond correcting an "honest" error (ya right).

Re: Cox collection removed months ago but new letter from another collection agency-Advise please!

Brian_Earl_Spilner — Sun, 19 May 2019 21:27:42 GMT

Who you need to contact is the FCC to make the cable company jump. 4 years fighting with Cox and I mention the FCC once and the issue is resolved in 15 minutes on the next visit.

Re: Cox collection removed months ago but got a new letter from another collection agency-Advise ple

Queen_Etherea — Tue, 21 May 2019 21:17:41 GMT

Please keep us updated when you get some answers! This is extremely intriguing and might be helpful for other people later down the line.