Hello,
After months of reading, I’ve been able to successfully remove inaccurate collections from my reports and teach others the tips of credit. I’ve very grateful for everything I’ve learned.
Today, I received a Debt Validation letter response back from my last collection. It is for an account paid Off to another agency on behalf of the hospital for a lesser amount. At this point, I have every bill that hospital has sent through mail, and total balances physically from the office, and a follow up on the phone to make sure I took care of what I need to. This debt should not exist and has been on my report for over a year now.
Collection Agency X on my file as of early 2018. Validation is a bill I paid to Collection B for a lesser amount in return for not being reported anywhere. Collection Agency B was sold this debt by Collection Agency A. Both A and B denied being the owners of the debt, and only collecting on behalf of the hospital. Hospital wrote off debt and denies having ownership or a way to directly pay.
At this point that I have this and the receipts, and direct bills owed from the hospital (along with who is responsible for receiving payments), do I just send this to the CRA reporting this that it is an already paid debt? Or do I send this to Collection Agency X in hopes they’d realize they aren’t authorized to collect on it?
Thanks in advance
