Trying to get unknown collection deleted

[Anonymous]

I have a collection reporting on my CR from 7/07.  When I originally found out about it a year ago I attempted to call the number listed, it was out of service.  I then disputed it with the EQ and received a letter saying the account was indeed valid and they verified it.  How can I pay it (it has an $85 balance) and get it deleted if I 1).  don't know who the OC is and 2). the CA has no address or phone number listed on my CR?  The CR I used was from a LO so all info is on it.

Thanks

[newstart2010]

you should not be calling them at all.  Get the address and send them a DV letter, and once you get the information on the account send them a PFD letter.  Hopefully you will be able to get it removed after payment.

Do everything in writing.  Do not call or speak to them in any other manner.

[Anonymous]

The problem is there is no address or phone number, so I have no one to write to.  I've searched the company 'Med1 02 Sandy Ski' and have not found anything.  It was also listed as Medical EQU on anotehr report, but has no address or info at all.

[newstart2010]

They have to provide the credit reporting agencies with an address, otherwise they can be removed.  I would contact the credit bureau by phone and see if they can pull up the address for you.  If they can't, dispute it with them that you do not know what the debt is for, don't think its yours, and do not ahve the contact info to verify it.  I am sure they will get the address for you then.

[Anonymous]

Thanks!!  I did contact TU and they gave me the address and disputed the collection.  I really have no idea what it's from but will attempt to get a PFD from them if possible.

[LIGHTNIN]

Have you tried pulling your Free CR's from annualcreditreport.com?

These CR's come directly from the CRA's

What is the name of the CA on your CR?

Oh and did you only get the EQ CR from your LO? 

[Anonymous]

I pulled my credit reports less than a year ago so I just bought one through Myfico yesterday and noticed the collection still on my CR.  I had seen it a year ago when my LO pulled my merged CR (3 in 1).  The name of the OC on the report is Med1 02 Instacare Sandy Ski, but the CA is IHC.

[LIGHTNIN]

This sounds like a medical collection. Does that help?

Contact the CRA for contact info, they should have it.

I would also see if the CA is on your other CR's. 

[Anonymous]

Lightnin is correct - it is medical.

The reason it is reporting the way is because the CRA must mask medical information on reports released to anyone but directly to you. Even if you request the report through someplace like myFICO, it has to be masked.

When you pull your own report directly from the CRA, it will have all the information you need, unmasked.