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Account previously in dispute – now resolved – reported by subscriber

Colombiana79
Contributor

Account previously in dispute – now resolved – reported by subscriber

Hello All,

I sent debt validation letters to two medical collections agencies that are on my credit report. One is for AR RESOURCES INC and the othe is FIRST FEDERAL CREDIT COLLECTIONS. I sent them both certified mail and didn't recieve anything back from them. Crickets... I just noticed that ARS Resources has the verbage "Account previously in dispute – now resolved – reported by subscriber". And Federal Credit has the verbage "Account information disputed by consumer". In this case, what do I do now since they never sent anything to me directly?

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Message 1 of 8
7 REPLIES 7
dragontears
Senior Contributor

Re: Account previously in dispute – now resolved – reported by subscriber


@Colombiana79 wrote:

Hello All,

I sent debt validation letters to two medical collections agencies that are on my credit report. One is for AR RESOURCES INC and the othe is FIRST FEDERAL CREDIT COLLECTIONS. I sent them both certified mail and didn't recieve anything back from them. Crickets... I just noticed that ARS Resources has the verbage "Account previously in dispute – now resolved – reported by subscriber". And Federal Credit has the verbage "Account information disputed by consumer". In this case, what do I do now since they never sent anything to me directly?


Did you make your debt validation request within 30 days of receiving the dunning notice from the collection agencies? 

Message 2 of 8
Colombiana79
Contributor

Re: Account previously in dispute – now resolved – reported by subscriber

@dragontears Unfortunately no. I never received any collection letters and I was not monitoring my credit report for over a year.

Amazon Prime Signature - CL $4000
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $13000
Chase Freedom Unlimited - $9400
Message 3 of 8
dragontears
Senior Contributor

Re: Account previously in dispute – now resolved – reported by subscriber


@Colombiana79 wrote:

@dragontears Unfortunately no. I never received any collection letters and I was not monitoring my credit report for over a year.


Ok, the CA are not required to send you anything and are free to ignore all DV from you. 

 

What exactly are you asking about? How to remove the comments? 

Message 4 of 8
lucknpat
New Contributor

Re: Account previously in dispute – now resolved – reported by subscriber

@Colombiana79 Since they're not required to send you anything, your next move is to decide if you want to contact them and settle the debt. Ask them if they'll do PFD. Actually since these are medical collections, read this post on what steps to take.

 

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Medical-Collections-Please-Help/m-p/6493246/...

FICO8 - 8/2019
EX 510, TU 538, EQ 497

FICO8 - 11/27/2021
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EX 623, TU 629, EQ 650
Message 5 of 8
Colombiana79
Contributor

Re: Account previously in dispute – now resolved – reported by subscriber

@lucknpat The thing is... I really don't even know what they are from?? That's why I sent the debt validation letters so they could send me something. I don't want to call them bc I hate dealing with collections people over the phone

Amazon Prime Signature - CL $4000
Walmart Store Card - $5000
Discover It - CL $4700
Macys Red Card - $13000
Chase Freedom Unlimited - $9400
Message 6 of 8
Alucard
Valued Member

Re: Account previously in dispute – now resolved – reported by subscriber

I thought all medical collection records are being removed from the CRAs very soon?

 

Message 7 of 8
FireMedic1
Community Leader
Super Contributor

Re: Account previously in dispute – now resolved – reported by subscriber

If you know who the Medical place is which you didnt post. Go to them and ask if you payoff the account. Will they recall the debt from the CA's. Go to the source first and try to work this out.





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
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