Help please - Paid CO still reporting - have deletion letter

[Anonymous]

Hello All,

I was wondering if you experts could help me. I had 3 collections from a hospital in 2005, which were sent to ARB (accounts recovery bureau) and after explaining to them why the bills were paid, the hospital agreed it was their error and contacted ARB to remove the paid collections from my credit bureau. I received a letter from ARB confirming and referencing the accounts which would be removed from the credit bureaus. I just pulled all my 3 credit reports and one of the account still shows under TU.

Can you please tell me what steps I need to take inorder for this account to not report anymore? I have the ARB's letter to show that they agree that this should not have been reported at all. Any help would be greatly appreciated.

Thanks.

[rayandsuebrown]

it can take anywhere from 45-60 days to update. I am in the same boat.

[LIGHTNIN]

How long ago did you receive the letter from ARB?

In the letter, did it say how long it would take?

Congrads on the detele !!!........on the other 2 CRA's...one more to go..

[RobertEG]

The next step is to file a direct dispute with the debt collector under FCRA 623(a)(8).  That process has a statutury time period of 30-days for completion of their investigation of your dispute, and then they must report back to you within 5-days therafter.  If the dispute is resolved in your favor, the CR deletion is required.

If letters dont work, then just step it up to a formal direct dispute.

[Anonymous]

---

@rayandsuebrown wrote:

it can take anywhere from 45-60 days to update. I am in the same boat.

---

I understand this - I spoke to the hospital and ARB in September of 2010 and that means it has been more than 30-45 days - the weird part is that there were three collections and TU already deleted the other 2 - however this one still shows up...

[Anonymous]

---

@LIGHTNIN wrote:

How long ago did you receive the letter from ARB?

In the letter, did it say how long it would take?

Congrads on the detele !!!........on the other 2 CRA's...one more to go..

---

Hello Lightnin,

Thanks for responding.... I appreciate it immensely...

I received the letter from ARB on Sept 27th 2010. It did not reference how long it should take but it did say that they agree that these account should not report to any CRA's. The weird thing is that TU still reports this one collection - which is paid (should not be on there - hospital error) but they deleted the other 2 last year when I contacted the hospital to get this resolved...

Update - I also spoke to the hospital again and ARB and both told me to dispute with TU - is this the correct route? I dont want to take any steps which could back fire and hurt me in the long run...

Yes, I am very happy the other 2 deleted all the Collections now if only I could TU to remove this last one - which both the original creditor and collection agency agree should not be on there... Should I dispute and send them a copy of letter from ARB?

[Anonymous]

---

@RobertEG wrote:

The next step is to file a direct dispute with the debt collector under FCRA 623(a)(8).  That process has a statutury time period of 30-days for completion of their investigation of your dispute, and then they must report back to you within 5-days therafter.  If the dispute is resolved in your favor, the CR deletion is required.

If letters dont work, then just step it up to a formal direct dispute.

---

RobertEG,

Thanks for your reply and through your advice last year I was able to follow HIPAA process to get the other collections deleted. Anyway, are you suggesting/advising that I file a dispute with TU? Should I send them the letter received from ARB?

Thanks.

[Anonymous]

I'd send them the letter.  Not the original, of course.  You probably don't have to be fancy about it - something like "I would like to dispute this item on the basis that it shouldn't have been on my credit report to begin with.  I have included a letter from the original creditor as proof."

[Anonymous]

Mauve,

Thank you for replying. So you are saying call up TU and dispute the reported paid collection? Or will an electronic dispute be better? How should I send the copy of the letter? Via mail? Email? I spoke to somebody at ARB and they said this should not even appear on the credit bureau.

Thanks.

[Anonymous]

I'd ask the letter-provider to send copies to each credit bureau.  I'd also send a copy of the letter via USPS, CMRRR, to the CRAs.