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Advice on disputing a collection account

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Anonymous
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Advice on disputing a collection account

Hi all,

I am needing some advice.  To make a long story short, I opened phone lines under AT&T for my siblings a couple of years ago, probably 2010-2011. They eventually didn't pay and that got sent to collections.  I've disputed this collection account numerous times, as every year or so it gets sold to a different collection agency.  The last time I disputed this was in April 2017, and it got removed from my reports.  A couple of weeks ago that collection agency sold this debt to another collection agency and I got the letter in the mail stating if I wanted to dispute validity to respond within 30 days.  Well I sent in the dispute letter,  and today I got their reply.  Apparently they contacted AT&T and all AT&T sent them was an "account summary" or a "bill." This "bill" has nothing but my name address and the amount I owe.  No charges of any kind on this "bill" just a past due amount. It looks like they just took my name and address and amount past due and put it on a billing template. They even put the billing date as 11/28/17-12/26-17.  I certainly did not receive this "bill" between that bililng period and haven't even had a bill from AT&T in years.  What else can I send this collection agency to say I dispute this debt? Can I send a letter requesting original date of application or orginal billing statements? I do not need this debt, over $1300, showing on my reports.  I am buying my first home and am in my due diligence period and will soon close. Any suggestions would be helpful. Thanks.

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Advice on disputing a collection account

What are you disputing as incorrect? You said you opened the accounts and they didn't pay.
Message 2 of 4
Anonymous
Not applicable

Re: Advice on disputing a collection account

Well I thought debts 7 years old cannot be reported. 

Message 3 of 4
thornback
Senior Contributor

Re: Advice on disputing a collection account

What was the date of first delinquency?

It's 7 years + 180 days from the date of first delinquency - not the account open date.

You said you opened the account for them in 2010 / 2011, but when did they actually default on payment?
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