topic Re: Comcast Operator in Rebuilding Your Credit

Comcast Operator

Anonymous — Sun, 05 Feb 2017 19:24:09 GMT

I just called comast to see about a collection placed on my report 10/16 for 373. This can not be accurate, I have nevr been late with them in years at the same address. I called to explain this to an operater, he verified he could not find any record of me owing them any debt. I asked him to delete it from my report and he did not understand. After explaining it 5 times I finally just asked, do you know what a credit report is? He had no idea...how are you guys getting people on the phone to take care of this?

Re: Comcast Operator

Anonymous — Sun, 05 Feb 2017 21:30:43 GMT

Talk to their billing department, or dispute the collection

Re: Comcast Operator

Anonymous — Sun, 05 Feb 2017 21:52:04 GMT

Dispute it under FCRA and it it comes back "verified" sue Comcast for $1,000. I can guarantee that will get it removed pronto.

Re: Comcast Operator

Anonymous — Mon, 06 Feb 2017 00:36:09 GMT

Sue Comcast? As in small claims court? I have this exact problem.

Re: Comcast Operator

Anonymous — Mon, 06 Feb 2017 00:39:40 GMT

Yes. FCRA assigns Original Jurisdiction over cases to the "Court of Competent Jurisdiction" and with a $1,000 suit in almost all States taht would be Small Claims court. Be prepared to explain the law to the Judge and bring a copy of it with you.

Re: Comcast Operator

RobertEG — Mon, 06 Feb 2017 15:58:20 GMT

Do you simply have a statement from the original creditor (Comcast) that the debt has been referred for collection, or do you have the reporting by a separate debt collector of a collection?

A dispute would be referred to Comcast if the asserted inaccuracy is their reporting, but would be referred to the reporting debt collector if the reporting was of a collection.

As for civil action, a consumer has no right to private civil action with respect to inaccuracy of credit reporting by any party.

That right is reserved under FCRA 623(c) only to governmental agencies, such as the FTC or CFPB.

A consumer must first file a dispute and provide the furnisher the opportunity to correct or delete the inaccurate reporting.

Any civil liability would only thereafter be based on the reasonableness of their handling of the dispute.

You need to begin by filing a dispute and obtaining a Notice of Results of Reinvestigation from the CRA before you proceed with any assertion of civil liability.

Re: Comcast Operator

Anonymous — Mon, 06 Feb 2017 18:14:01 GMT

The reporting is from a CA..But it was NEVER in collections..I called Comcast, the gent I spoke to has never heard of the CA, and says the info I gave him makes no sense, they are looking into it and will call back..I will update at that point. However, when I disputed it thru CK, it came back VERIFIED. I am at a loss as to how that can be if it was NEVER in collections.

Re: Comcast Operator

Anonymous — Mon, 06 Feb 2017 21:15:34 GMT

@Anonymous wrote:
The reporting is from a CA..But it was NEVER in collections..I called Comcast, the gent I spoke to has never heard of the CA, and says the info I gave him makes no sense, they are looking into it and will call back..I will update at that point. However, when I disputed it thru CK, it came back VERIFIED. I am at a loss as to how that can be if it was NEVER in collections.

This sounds like a typical case of the left hand not knowing what teh right hand is doing and you are caught in the middle with each of them pointing to the other saying "he did it". The only way to sort this out is to file suit against BOTH of them and let the Judge sort it out.

Re: Comcast Operator

Anonymous — Tue, 07 Feb 2017 03:33:47 GMT

Contact the billing department and see if they can check into it further...

Re: Comcast Operator

Anonymous — Wed, 08 Feb 2017 15:21:12 GMT

I did. Billing can find no record. CS rep was sending info to correct department, was to call me within 2 hours. Its now 3 days later. I found a CS Feedback link that goes to the natinal VP of CS for Comcast and sent HIM all the info..Will see if anything comes of it.

Re: Comcast Operator

Anonymous — Sat, 01 Apr 2017 17:57:24 GMT

After 5 phone and chat specialists, 2 EXECUTIVE speciaists, we found the problem. It is on COMCASTS end. Yet it still sits on my credit. I dont know who else to contact, the president of Xfinity? For petes sake. Is there some type of legal action for a fraudulent credit reporter?

Re: Comcast Operator

Anonymous — Sat, 01 Apr 2017 18:05:10 GMT

I had the same thing happen. Stellar Recovery was on my CR as collecting for Comcast. I had a current account with Comcast, never late and no reason for collections. I called and talked to Comcast general line, billing office, and collections dept. who stated no collections. However, they wouldn't provide me anything in writing. I disputed the collection, stating I had verbal agreements from Comcast that I owed them nothing. I listed the name and department of everyone I spoke to. The account was taken off my CR's within a couple days.

Re: Comcast Operator

Anonymous — Sat, 01 Apr 2017 18:11:29 GMT

Try the Better Business Bureau (BBB). They have been great in helping me get issues resolved. Try their website.

Re: Comcast Operator

gdale6 — Sun, 02 Apr 2017 02:06:09 GMT

Filing a complaint with the CFPB can also get some results. http://www.consumerfinance.gov/complaint/