There is an account that I have with a collection agency that has already been paid to the original creditor. I am trying to get them deleted off my record at all cost as it is a recent one. They have given me a letter saying that they will delete the record but still have not and I am inpatient and looking for any inconsistencies to make them delete it already. I have seen in the forums that they are not allowed to have amount past due or Last Payment date , in my other report they have payment status: late and terms 1 month, if I never made any payments to them and that I can ask that they delete the account base on incorrect reporting in those areas is that correct? Is a CA able to put terms 1 month and they have January listed as a late payment, I never made a payment to them or anyone in January. It has Terms listed as 1 month. Please let me know if there is anything I can do regarding this reporting to get them to delete based on that. I also have a letter saying that they would delete but they still have done nothing. BBB is a joke and they quickly closed my case. I don't know what to do next. thanks.
Date Reported:
01/2016
Date Assigned:
12/2015
Creditor Classification:
Cable/Cellular
Creditor Name:
C
Account Number:
Account Owner:
Individual Account.
Original Amount Owned:
$316
Date of 1 st Delinquency:
09/2015
Balance Date:
01/2016
Balance Owned:
$271
Last Payment Date:
10/12/2015
Status Date:
01/2016
Status:
D - Unpaid
Comments:
N/A
Another report below tehy say terms: 1 month
Account Number
0000000002994XXXX
Account Type
Collection
Terms
1 Month
Date Opened
12/01/2015
Account Status
Closed
Payment Status
Late
Payment Status Details
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
I have not made any payments to them in January. The account was paid in full to the original creditor in February and I never made any payments to the CA., can they really list a late payment in January. I also have the 0 balance letter from the original OC stating that it was paid in full. Can I get them to delete based on this incorrect reporting, stating late payment in Jan 2016, 1 month term, etc. please advice.
A dispute over specific, reported information does not mandate deletion of other reported information.
You can certainly dispute the accuracy of paymetns made or terms, etc., but resolution of the dispute will not extend to required deletion of the entire collection.
The intent of the dispute process is to correct inaccurate reporting, not to impose penalties precluding the continued reporting of accurate information.
A dispute over specific, reported information does not mandate deletion of other reported information.
You can certainly dispute the accuracy of paymetns made or terms, etc., but resolution of the dispute will not extend to required deletion of the entire collection.
The intent of the dispute process is to correct inaccurate reporting, not to impose penalties precluding the continued reporting of accurate information.
Thanks so much Robert for your response. I know you told me in another thread that since I have PFD letter from them even though I paid the OC in full, that I could go to the BBB with it since they are not removing anything and I should not dispute. But I need to move forward with life and this is a thorn on my side because it is new reporting. Can you tell me how can I word it in the BBB site the fact that I have a Delete letter on company letterhead from them but they are still not deleting it. I want to be proactive. I know they don't have to do anything but I want to make them accountable on the letter that I have, I just don't know what to say in the BBB site. Anyone?
