topic Re: original creditor cannot verify debt collection agency will not remove. in Rebuilding Your Credit

original creditor cannot verify debt collection agency will not remove.

2jazzy — Sat, 08 Jun 2013 08:07:01 GMT

I recently noted a collection item for an apartment I gave proper notice to vacate. The property managenent that owned the property cannot verify the debt nor have any records showing I owe anything. I recieved an email from the COO stating such. What options do I have to get this listing removed. The collection agency is currently refusing to remove the listing.

Re: original creditor cannot verify debt collection agency will not remove.

Shogun — Sat, 08 Jun 2013 12:10:23 GMT

Have you filed a direct dispute with the CA? Or how about getting a letter from the OC stating that you don't owe any money and sending it to the CA with an ITS letter.

Re: original creditor cannot verify debt collection agency will not remove.

2jazzy — Sat, 08 Jun 2013 14:49:54 GMT

Thanks for responding. I have submitted the letter to experian and they have still not removed stating the orginal creditor cannot verify debt if it is with a collection agency. Since this is an apartment debt i didn't know if that was true or not. As you can see im at a lost

Re: original creditor cannot verify debt collection agency will not remove.

DaBears — Sat, 08 Jun 2013 15:01:26 GMT

It can take up to 90 days for removal

Re: original creditor cannot verify debt collection agency will not remove.

2jazzy — Sat, 08 Jun 2013 15:22:05 GMT

Thanks for responding. I have been going through this since January. Hopefully this will be resolved soon

Re: original creditor cannot verify debt collection agency will not remove.

RobertEG — Sat, 08 Jun 2013 18:34:49 GMT

My question would be, how did the debt collector obtain collection authority on the asserted debt?

If the OC never sold the debt or contracted with a debt collector, then the debt collector would have no standing to contact you.

Can you get a statement frrom the OC that they never sold a debt to the debt collector, or entered into any assignment of collection authority to them?

Hopefully, they would have records if they had done so.......

When the debt collector sent dunning notice, they must have provided statement of the current owner of the debt.

Are you still within 30 days of their dunning notice, and thus can send a tiimely DV? That would at least require them to cease collection activities until they can obtain verification from the OC. From what was stated, they may be unable to do so.