Credit Report Dispute Problem -- HELP !!

[stancil70]

Hello all,  I need some advice.  

I had an issue with AT&T Cellular and cancelled my contract in 2012.  I refused to pay the $664.00 cancellation fee that they wanted.  They filed a collection on my credit report via a collection agency.  I disputed the account in 2013 and won the dispute and it was removed.  NOW 2 years later, it shows up again.  I filed a dispute online and lost.  I called the 800 number for Equifax (the only report that it shows on) and they said that even though I won the dispute in 2013, because now it's filed with a DIFFERENT collection agency, this one can't just be automatically removed by my dispute that it was removed once already.

Suggestions?  This is the ONLY derogatory mark and it shows only on my Equifax report.  I 

[myjourney]

What were the grounds of the dispute that you won on last time 

From what I'm seeing now you do admit that the debt is yours just the fact you don't agree with the cancellation fee amount is that correct?

Also more info needed:

Who's the CA?

What is the DOFD?

You may wish to offer a PFD is my thinking 

Also I'll request that this thread be moved to rebuilding forum so as when you supply the name of the CA others can chime in on their dealings/success  with said company 

[Rebuilding69]

I'd like to know the reason it was deleted as well. You not agreeing with the fee shouldnt be grounds for deletion.

Also, just because something unpaid is deleted, doesnt make it go away. Once its sold(and it will be) after being deleted, you'll be dealing with the next CA/JDB.

Unpaid debts generally never go away.

[RobertEG]

If the CRA deleted based on the outcome of their reinvestigation that they accuracy of the collection could not be verified, then tht is one thing.

However, if the deletion was voluntary by the prior debt collector, such as to simply avoid investigating the dispute, then that is another.

The first situation imposes a requirment that any request to reinsert must include a Certification of Accuracy of the information, and that they CRA must accept that certificaiton before they reinsert, and send notice to the consumer within 5 days.  See FCRA 611(a)(5)(N).

The second situation impoases no such requirment before the information can be reinserted.

Thus, the issue is whether the debt collector notified the CRA in the prior dispute that they could not verify, leading the CRA to delete, or whether the debt collector simply deleted voluntarily.

[Imperfectfuture]

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@RobertEG wrote:

If the CRA deleted based on the outcome of their reinvestigation that they accuracy of the collection could not be verified, then tht is one thing.

However, if the deletion was voluntary by the prior debt collector, such as to simply avoid investigating the dispute, then that is another.

The first situation imposes a requirment that any request to reinsert must include a Certification of Accuracy of the information, and that they CRA must accept that certificaiton before they reinsert, and send notice to the consumer within 5 days.  See FCRA 611(a)(5)(N).

The second situation impoases no such requirment before the information can be reinserted.

Thus, the issue is whether the debt collector notified the CRA in the prior dispute that they could not verify, leading the CRA to delete, or whether the debt collector simply deleted voluntarily.

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Yes, you will want the facts behind this.  Since it only showed up on equifax, methinks they can't do a proper validation that transunion requires (don't ask me how I know this, book form coming much later ).  If there was a problem with service, something legal that allowed you out of contract, result of BBB complaint, etc, then do some research on BBB complaints with equifax and att, collection agency.  Research your basis that you don't owe the bill.  Then, write out a comprehensive complaint with the cfpb against equifax (also have copies of the prior deletion to upload), and a complaint against the collection agency (dispute details). 

Reopen a BBB dispute with att.  Also have your ducks in a row.  You can get it off, just requires work.  PS, these collection agencies for "utilities" tend to not PFD, just update the collection as paid.  An FYI for Robert