topic Re: Removed Collection Reported Again! in Rebuilding Your Credit

Removed Collection Reported Again!

Anonymous — Fri, 14 Apr 2017 18:46:11 GMT

Just need to rant! I received an alert this morning that Pheonix Financial posted a "new" collection to the CRAs.....again......after they've been previously been disputed and removed for non-ownership. I've been paying off collections listed on my reports since January and only had three left, then woke up this morning to what I consider a nightmare. I haven't gone delinquent on any accounts. I've been diligent in paying off old bills and keeping up with new ones so they don't go to collections. Now, this. It's so infuriating. I've already disputed, but I am so disgusted at this company. Livid is an understatement. I had finally improved my scores significantly. It's really deflating. My scores at this point are less than what they were when I started my credit "clean up" in January. I would've had a "clean" report this January. I have two left to pay off this month. The other I'm letting fall off (should be January 2018). Now this Phoneix Finanacials shows as a new collection, so I'm looking at 7 more years of having a stain on my report.

Re: Removed Collection Reported Again!

medicgrrl — Fri, 14 Apr 2017 18:49:08 GMT

Not necessarily 7 more years. What is the DOFD on the account? What exactly do you mean that it was removed for non-ownership? Have they sold this collection to another agency?

Re: Removed Collection Reported Again!

Anonymous — Fri, 14 Apr 2017 19:09:38 GMT

@medicgrrl wrote:
Not necessarily 7 more years. What is the DOFD on the account? What exactly do you mean that it was removed for non-ownership? Have they sold this collection to another agency?

Thank you for responding They are saying it was opened February 2017 with DOFD 11/1/2015. It previously reported and I disputed under the "This is not my account" option. The company they are collecting for is a medical facility 500 miles away from my house. I'm sure I didn't drive that far to go to a hospital when I work and live right beside one. As far as I know, this isn't a purchased account from another collection agency. The balance they are reporting is different too. It doesnt match up to ones they previously reported. They previously reported 3 accounts with different amounts to one CRA, and one account with one amount (looked like maybe the sum of what they reported to the other CRA, but did not add up the same). Now it looks like they're trying to change the balance again, as well as having a new "account" number. I wish I could sue the hiney off that company!

Re: Removed Collection Reported Again!

medicgrrl — Fri, 14 Apr 2017 19:19:42 GMT

Do you have a common name? If you are absolutely, positively sure they are not yours, it may be time to call the actual collection agency and get something in writing from them that this is not your account(s) and submit that to the CRA's. If it is being reported based on name and not actually your personal information, such as social security number, than the problem may be with the CRA's and not the collection agency. You can dispute again, but it sounds like it won't fix the problem that is causing it to end up on your report. Again, if you're positive that you've never been to that medical facility, and the collection agency says it's yours, you may need to go the identity theft route instead.

Re: Removed Collection Reported Again!

Anonymous — Fri, 14 Apr 2017 19:21:51 GMT

@medicgrrl wrote:
Do you have a common name? If you are absolutely, positively sure they are not yours, it may be time to call the actual collection agency and get something in writing from them that this is not your account(s) and submit that to the CRA's. If it is being reported based on name and not actually your personal information, such as social security number, than the problem may be with the CRA's and not the collection agency. You can dispute again, but it sounds like it won't fix the problem that is causing it to end up on your report. Again, if you're positive that you've never been to that medical facility, and the collection agency says it's yours, you may need to go the identity theft route instead.

That makes a lot of sense. Thank you very much! It definitely is not my bill. When calling, I don't want to give them my social if they don't have it. How do I find out whether or not they have it?

Re: Removed Collection Reported Again!

medicgrrl — Fri, 14 Apr 2017 19:27:19 GMT

@Anonymous wrote:
@medicgrrl wrote:
Do you have a common name? If you are absolutely, positively sure they are not yours, it may be time to call the actual collection agency and get something in writing from them that this is not your account(s) and submit that to the CRA's. If it is being reported based on name and not actually your personal information, such as social security number, than the problem may be with the CRA's and not the collection agency. You can dispute again, but it sounds like it won't fix the problem that is causing it to end up on your report. Again, if you're positive that you've never been to that medical facility, and the collection agency says it's yours, you may need to go the identity theft route instead.
That makes a lot of sense. Thank you very much! It definitely is not my bill. When calling, I don't want to give them my social if they don't have it. How do I find out whether or not they have it?

That's understandable...start with the medical facility. Call them and find out if they have anything under your social security number. Explain to them what is going on and see if they will send you something in writing that states you have no accounts with them. Next, call the collection agency and give them the account number and advise them you have written documentation that you have never been to that facility. Maybe the collection agency can write a letter confirming the account is not yours based on your name, address and date of birth instead. Honestly, I've never dealt with anything like this so it may be best to start with the medical facility and then call the CRA's and ask them what they want as evidence to go along with the letter from the medical facility.

Re: Removed Collection Reported Again!

Anonymous — Fri, 14 Apr 2017 19:30:30 GMT

@medicgrrl wrote:
@Anonymous wrote:
@medicgrrl wrote:
Do you have a common name? If you are absolutely, positively sure they are not yours, it may be time to call the actual collection agency and get something in writing from them that this is not your account(s) and submit that to the CRA's. If it is being reported based on name and not actually your personal information, such as social security number, than the problem may be with the CRA's and not the collection agency. You can dispute again, but it sounds like it won't fix the problem that is causing it to end up on your report. Again, if you're positive that you've never been to that medical facility, and the collection agency says it's yours, you may need to go the identity theft route instead.
That makes a lot of sense. Thank you very much! It definitely is not my bill. When calling, I don't want to give them my social if they don't have it. How do I find out whether or not they have it?
That's understandable...start with the medical facility. Call them and find out if they have anything under your social security number. Explain to them what is going on and see if they will send you something in writing that states you have no accounts with them. Next, call the collection agency and give them the account number and advise them you have written documentation that you have never been to that facility. Maybe the collection agency can write a letter confirming the account is not yours based on your name, address and date of birth instead. Honestly, I've never dealt with anything like this so it may be best to start with the medical facility and then call the CRA's and ask them what they want as evidence to go along with the letter from the medical facility.

Got it At least now I have a better plan of attacking this thing. Thank you so very much!

Re: Removed Collection Reported Again!

medicgrrl — Fri, 14 Apr 2017 19:40:43 GMT

Good luck and keep us updated!

Re: Removed Collection Reported Again!

Anonymous — Thu, 04 May 2017 14:43:21 GMT

Going the route of online dispute to all three CRAs, TransUnion and Equifax have removed this collection. It remains on Experian. I don't know why/how this happened when the other two removed, but looks like I have a little more work to do to have it removed from Experian.

Re: Removed Collection Reported Again!

rmduhon — Thu, 04 May 2017 15:50:20 GMT

What state are you in?

Re: Removed Collection Reported Again!

RobertEG — Thu, 04 May 2017 16:49:08 GMT

Deletion that occurs based on a dispute is a determination that the accuracy was not verified at that time.

That determination is never absolute, and reinsertion can still occur provided the reinsertion requirments set forth under FCRA 611(a)(5)(B) are complied with.

More specifically, any party wishing to reinsert information that was previously deleted based on a prior dispute can have the information reinserted if they provide a Certification of Accuracy along with their proposed reinsertion. If the CRA receives the Certification, they are permitted to immediately reinsert the previously deleted information, and must send written notice to the consumer within 5 business days after they have reinserted, providing specific notice of the reinsertion under FCRA 611(a)(5)(B).

While such resinsertion provides a new "date opened" for the collection, that date does not affect scoring of ultimate exclusion date, which continues to be based only on the reported DOFD.