Help!!

[Aduke1122]

Hey guys I haven't posted in the rebuilding section in a long time as I was rid of all negative info on my reports and everything was paid and removed last year, besides my last one that will be excluded IN March .

Anyways I woke up this morning with alerts from my CCT saying I had a new collection account on EX , I immediately freak out and look at the info it's from a water Dept from an old town I used to live in 2 years ago. When I moved out I gave them my new address and they said I wouldn't have a balance that my deposit would take care of it anyways but I never received any communication from them at all until this CA reported this acct this morning . It's only for 78 dollars I don't mind at all paying if I owe it . I immediately disputed bc I had not gotten any letter or nothing from the CA , then I called them to see if they would accept payment and remove it from my file ..they flat out say NO that they would update as paid but not remove . And we know once the damage is done it's done and this has totally destroyed all my progress thus far . Where I had over 3 years of no lates now it's says 3 mths !!!

So next I called the OC and asked them why I was never contacted about a bill if I owed it , she said the city opted to send all past due accts to a CA instead of dealing with it themselves . I was told to call back Mondayto speak to the billing manager bc this girl was so clueless about anything credit related . So I freaking out here , any advice ?
The CA says they sent a letter to my OLD ADDRESS ON Dec 13th and of course I didn't get it . Is there anything else I can do now ?

[Anonymous]

Complaint to the Consumer Financial Protection Bureau will get it removed and probably removed quickly too.

[Aduke1122]

I am thinking about this but** is it a legitimate complaint ? They claim to have sent the letter out to my old address which I mean is crazy bc when I moved I told them I was moving amd to shut off service . It's an apt and I'm sure someone else immediately moved in after us so someone else has had service there since we moved ,not me . Idk I'm so upset .

[Aduke1122]

The reason why I ask if it's legit is bc I have been told a few diff things , number one they don't have to contact you prior to reporting to CRA , but they do have to send out a letter and give you 30 days to validate or dispure which I never got . Also this would be a 2 year old debt yet , it has a new date of Dec 16 listed on the credit bureau .

[Anonymous]

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@Aduke1122 wrote:
The reason why I ask if it's legit is bc I have been told a few diff things , number one they don't have to contact you prior to reporting to CRA , but they do have to send out a letter and give you 30 days to validate or dispure which I never got . Also this would be a 2 year old debt yet , it has a new date of Dec 16 listed on the credit bureau .

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I'm thinking that makes it a complaint.  Some of the more experienced folks will chime in.

[Aduke1122]

Wow so I just got.an email that my dispute with EX was already completed ..What ? That way FAST I literally just submitted it this morn..I'm went in to check the results and it was deleted . Don't know why or what the exact reason for the delete but i will take it and hope like hell it don't pop up on my other reports . Keeping fingers crossed .

[Anonymous]

@aduke, glad to hear it was removed!

IMHO, utilities have a way of appearing on CR again and again. Personally, I would speak to the credit manager as planned and tell them what happened. I would explain that you would never miss a payment and if there is an outstanding balance, you will get it paid immediately and see if you can send the payment to their attention. I would then tell them that you will check in with them in a few days to make sure they received the final payment. Building rapport at this point can't hurt. When following up; ask if they could just shoot you a quick email stating that the balance is PIF, nothing is owed and there is no delinquency. Then you can save that final proof of payment.

If the 'collection' pops up again, you'll have immediate proof that there isn't a debt owed.

Hope you have a good weekend 

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[Aduke1122]

Thanks WadeDalton, yes I was very much going to still speak with the billing manager Monday bc as you said I don't want this thing to keep on coming back , and so I'll have some proof just in case . I'm wondering what made them delete so dang fast though . That's the fastest I've ever seen bf