A collection shows up on credit report and it reports monthly KD.
Original credit does not show anything on the report.
The collection company has not sent anything. I suspect this goes back to 06/05 when I had an alarm system put in the house. The thing never worked right. Original company gave me a full refund. The company went belly up and sold to another company. The new company started billing me. I disptued this since they were NOT provided a service. Showed them a copy of hte refund check. They promptely added the refund into the current amount due.
Then the silent treatment began. The system was definitely NOT working at all. Not even the emergency call for help. Nada.
In 09/06, harassment from anomyous callers began. Numbers showed up as "private" or "unknown". Threatening messages were left, but no contact information to return the call. If I took the call they refused to tell me who they were or how to reach them. Eventually they stopped after a few months after I had an authority figure answer one of the those nasty calls.
In 09/10 (according to crdit report) a collection company is reporting something.
Date opened - 9/1/2010
Account status - Closed
Payment status - Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Terms - 1 Month
In 09/10 - things start reporting as eitehr KD or ND in the payment history. Last update 01/12.
1. No communication since 06 (same company now reporting??).
2. If the account is closed, why are they reporting as recently as this month?
3. Is there a date of default since the original company refunded all of my money and the new company added the refund back into what was due?
4. Can this be disputed and taken off?
5. There is no estimated date of fall off on my report.
Please help.
