topic Re: Equifax reporting incorrect collection in Rebuilding Your Credit

Equifax reporting incorrect collection

ahleahsis — Wed, 01 Dec 2021 08:48:13 GMT

Hi everyone this is my first post here and looking for advice. I have an account in collections that was added to my report on November 1st, 2021. However it was for an account that I paid to the orginal creditor on September 29, 2021. I filed a dispute with Experian saying exactly that and they removed it completely. I got my results from Equifax today and they just updated the collections to PAID. Can anyone guide me on what to do next? Should I file another claim to get it removed? Is this a violation of the FCRA? Since I paid the orignal creditor and not the collection agency? Thank you.

Re: Equifax reporting incorrect collection

FireMedic1 — Wed, 01 Dec 2021 11:43:29 GMT

Call the OC and explain your situation. Offer to send them proof it just landed on your reports after you paid. See if they can recall the CA.

Re: Equifax reporting incorrect collection

Remedios — Wed, 01 Dec 2021 14:22:13 GMT

@ahleahsis wrote:
Hi everyone this is my first post here and looking for advice. I have an account in collections that was added to my report on November 1st, 2021. However it was for an account that I paid to the orginal creditor on September 29, 2021. I filed a dispute with Experian saying exactly that and they removed it completely. I got my results from Equifax today and they just updated the collections to PAID. Can anyone guide me on what to do next? Should I file another claim to get it removed? Is this a violation of the FCRA? Since I paid the orignal creditor and not the collection agency? Thank you.

If the collection was on your report when you paid OC or if it's been assigned to CA for debt collection, EQ did it by the book, EX handed you a gift.

I'm assuming you're going to dispute with EQ, when you do and it comes back as verified, leave it alone.

This is very common case scenario where TU and EX might delete, but EQ does not.

In order to get it deleted, you would have to establish that on the day you paid, CA did not have the authority to collect on this debt, which isnt the case.

Since debt is satisfied (paid) OC has nothing to recall, that's done prior to making a payment.

I'd you don't mind significant score fluctuations, you can try.