Joint collection removal from reports

[Bees18]

Hi,

My husband and I had a joint collection from about five years ago that was paid. It was still a big problem and we contacted a higher up from the company explained and he said he would delete. Some time went by, and it didn't delete. So we sent in the email from the company saying they would delete and asked the credit bureaus to delete. They did for my husband, but they still appear on mine, even though this is the same joint account.

Has anyone ever dealt with this? Shouldn't it delete off mine when it does his since it's a joint collection? In the letter to the CRAs he stated and reminded them it was a joint account and gave them all my info. Or do I need to contact them myself seperatly?

Thank you!

[Pikaboo-icu]

I don't have personal experience with this, however, I don't believe he could make the request for you-

Just like filing a dispute etc.. I believe the request must be made by you. I think you'll have luck if you contact the CB's on your behalf and submit the letter..

Good Luck-

[RobertEG]

The FCRA, in section 604(c), defines a consumer as the named individual only.

However, for purposes of communicating with the consumer, the FDCPA expressly includes the spouse of the consumer as being included within the term consumer.  See FDCPA 805(d).

Thus, spouses can communicate with a debt collector on behalf of one another.

However, for credit reporting purposes, the FCRA treats the consumer as being only the named individual.

Disputes sent to a CRA or directly to the furnisher are covered under the FCRA, and thus should thus be separately sent by each individual consumer.