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collection

Established Member

collection

I received an alert that a collection was placed on my equifax report I immediately contact receivable recovery i never received anything thing in the mail. So when I gave them my social security number they said someone else name address date of birth, child name i was like this is incorrect this is not my information on;y my social . So the lady was like we will correct this give us 48 hours. Okay so i immediately filed a dispute with equifax told them the situation  they put fraud alert on my credit report and the person address showed up on my credit report. okay they work on it. Then it comes back they removed address but verified my information. I'm like something is wrong they don't have my information only social security number.  I call receivable recovery they won't send me the bill because my name is not on it. what the heck but my social security. So i get in touch with the people who issued  the collection  i give them the account number that receivable recovery gives me . So they said hello Mrs. Aletha I'm like no thats not me some kind of way my social security on that person account . They come back and say a collection should have never been filed because that person has $0 balance. they apologized and put me on hold to call receivable recovery to fix it. The billing agent comes back and says he has everything fix they will delete it. So i call back to collection agency still won't give me anything saying this will be removed. said they contacted equifax to have removed. But still its on my credit report I lost 32 points because of this the one and only collection on my account that doesn't belong to me . This is getting on my nerves I'm getting ready to purchase a home but now i have to wait. Any other suggestions to get the off my credit report asap

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Message 1 of 7
6 REPLIES
Moderator

Re: collection


lene225 wrote:

I received an alert that a collection was placed on my equifax report I immediately contact receivable recovery i never received anything thing in the mail. So when I gave them my social security number they said someone else name address date of birth, child name i was like this is incorrect this is not my information on;y my social . So the lady was like we will correct this give us 48 hours. Okay so i immediately filed a dispute with equifax told them the situation  they put fraud alert on my credit report and the person address showed up on my credit report. okay they work on it. Then it comes back they removed address but verified my information. I'm like something is wrong they don't have my information only social security number.  I call receivable recovery they won't send me the bill because my name is not on it. what the heck but my social security. So i get in touch with the people who issued  the collection  i give them the account number that receivable recovery gives me . So they said hello Mrs. Aletha I'm like no thats not me some kind of way my social security on that person account . They come back and say a collection should have never been filed because that person has $0 balance. they apologized and put me on hold to call receivable recovery to fix it. The billing agent comes back and says he has everything fix they will delete it. So i call back to collection agency still won't give me anything saying this will be removed. said they contacted equifax to have removed. But still its on my credit report I lost 32 points because of this the one and only collection on my account that doesn't belong to me . This is getting on my nerves I'm getting ready to purchase a home but now i have to wait. Any other suggestions to get the off my credit report asap


If its not gone in 14 days file a CFPB complaint on all involved.


"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 7
Established Member

Re: collection

Thanks

Message 3 of 7
Community Leader
Senior Contributor

Re: collection

This happened to me a few months ago with an FPL bill that wasn't mine.  It took about 10 days and "poof"... gone.  Don't panic, It will get fixed.

 

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Message 4 of 7
Established Member

Re: collection

Were you able to get back all of your points you lost from your score?

Message 5 of 7
Established Member

Re: collection

collection deleted as of today. Will I get back  the 32 points i loss 

Message 6 of 7
Highlighted
Established Contributor

Re: collection


lene225 wrote:

collection deleted as of today. Will I get back  the 32 points i loss 


You should. I had an incorrect collection placed on my CR, score plummeted, but went right back up once it was removed.


Starting Score:499 (11/14)
Current Score: 654 (655 mid-mortgage)
Goal Score: 700 (650 mid-mortgage)

Message 7 of 7