How to remove one negative and one collection on CR?

[Anonymous]

On all 3 CRs, I have one 30 day late from 2006 for a CC that I actually was not late on.  I used the CC one time and the amount was for clothing which was eventually returned. 

On one CR, I a collection listed for 82.00 for the library from a collections agency called Unique Collections.  I have no recollection of this.  It is about 2 years old. No other collections are listed on this report.

On another CR, I have a collection agency called Pinnacle Financial Group from a medical company claiming a debt of about 400 dollars back from 2007. 

On the last CR, I have Pinnacle again claiming 30, 40 and 400 for the same medical company; it is actually listed as 3 sepearte collections.  The medical company, not the collection agency, did send a bill for this medical item for about 400 (not 30 or 40 dollars-it was only one item) but I repeatedly explained to the medical company that the item was covered by insurance and sent them my insurance information several times.  I never once received information from the CA about a debt.

Today, I mailed letters to the CA and the OC companies.  I also faxed the CA and OC copies of the letters as well.  I also emailed the library and the medical company asking what I could do to remove the negatives because the information was incorrect.

Is there anything else someone can suggest that I do to have this information removed as soon as possible.

[Anonymous]

What kind of letters have you sent?

For the medical, you need to check the medical debt board-- see link below. Post your situation with the medical and specifically what you have/have not done and what kind of letters you sent and to who.

As for the non-med collection, if you can post what you have sent, then someone can offer a little advice.

On the late, send GW letter.

[Anonymous]

For the library collections issue, I emailed the library collections department and now, they want to speak with me.  They do not want to handle the issue by email, only by phone.  I like a paper trail.  I will call Monday morning but I am not quite sure what to say other than the truth, I dont owe you a dime.  I suppose I should just pay the fine and request the negative be removed.  I did contact the CA associated with this debt by mail but have not received a response yet as my letter was just sent.  Their typical response from other message boards is to pay the library then call them.  This is the letter i sent to the CA for the library:

Re: xxx

Account xxxx

      

Dear Sir/ Madam:

 

I recently received a copy of my credit report and found a negative item with your company’s name and address.  The information on the report is absolutely incorrect and I would like it removed immediately. 

 

I have advised the  XX Public Library that this information is incorrect as well. 

 

Moreover, the information you reported to the agencies is incorrect.  I had no credit limit with theXXX Public Library of $148.00.  The information is false.  Please remove this negative entry from the three agencies’ reports. 

 

In addition, the account was not opened in 12/2007 as reported to the three agencies.  This information is false.  Therefore, the entry for this entity should be removed from my report with all three agency reports. 

 

Again, I want this negative item removed immediately from all three credit reports immediately.  I would like proof as such as well. 

 

Thank you in advance.

As for the medical collections issue, I did send a GW to the OC and an inquiry letter to the CA.  It was just sent out.  This will be tough to remove.  This is the letter I sent to the CA:

Re:xxxxx

Account 1120XXXX          

Dear Sir/ Madam:

 

I recently received a copy of my credit report and found a negative item with your company’s name and address.  The information on the report is absolutely incorrect and I would like it removed immediately. 

 

I have advised EMPI that this information is incorrect as well. 

 

Moreover, the information you reported to the agencies is incorrect.  I never had a balance of $45, $41 or $405.  The information is inaccurate and must be removed.

 

There was one amount that I was billed for, $405, for a medical item.  This item was completely covered by my medical insurance.  I advised EMPI many times in writing and by telephone that this item was covered by my insurance and would be paid if they submitted it to my carrier or submitted a completed claim form to me (as I could not complete a claim form on my own). 

 

Therefore, based on the incorrect information detailed above, the entries for this entity should be removed on the reports from all three credit reporting agencies immediately. 

 

Please provide proof of the removal of the negative entries.    

 

Thank you in advance.

  

Sincerely,

xxxx

I also sent a GW letter to the CC company that has me as a 30 day late.  I never paid late but just requested as a courtesy for it to be removed.  I suppose this should be the easiest to remove as I only used the card once and the issue seems to involve a return/exchange.

Any advice to move this process along successfully?

[Anonymous]

For the medical......post over on the medical debt board.

For the library, wait until you speak with them. Speaking with the OC is ok.

For the CC, wait until you hear on the GW you sent.

[Anonymous]

I need some more help.  I called the library directly and spoke with a represenative in collections that I had been emailing last week.  She advised me that if I pay now, their policy is to send me a letter indicating it is paid but will not request removal from the 3 CRAs for one year. 

What is my incentive to pay a fine that I do not owe?  I told her that I do not take out books, check my record (it only shows these 7 late books as long as the card was issued) and how can we resolve this right now?  She said I could send a letter to her manager but she indicated that is the library's firm policy.

Any other suggestions other than sending the letter (which I already have prepared)?   

[Anonymous]

Does the library require you to sign when you check out books?

[Anonymous]

No.  They also claim that if you lost your card, you need a police report showing that it was lost to absolve responsibility.  The only thing I can think of is that my ex-husband used the card. I am sure I left things like that in our old apt.  I doubt it though.