question about credit reports and collection agency what are my rights?

Question

hello everyone!
I just recived a notice in the mail from my cc company telling me there decreasing my credit limit from 7500 to 3300, reason recent deliquency. I called the company because i have never been late with anything, the gentleman at the card company was nice enough to re instate my limit and told me the deliquency was in result with a collections on my credit that just was put on 1/2007. I pulled my credit and there it was a 288 dollar collection from CBC for comcast cable. Over a year and a half ago i pd that bill to a collector credit protection assn. I have the canceled check. I am getting sick and tired to dealing with this. I pd the thing in full, this is affecting my score for the last year, now a new collector has it and put it on that is became late 1/2007. this bill was from 2003. I am not someone that gets out of paying bills, this just got overlooked as i moved. Is there anylegal repercusiton as this is apparently not getting taken care off.

Answer 1

It stays on your credit report. Just be cause you paid it off doesn't mean that it didn't happen. If I were lending money, which is exactly what the cc company is doing I would want to know about any late payments you made.

Answer 2

First and formost contact the credit burea and dispute the negative credit information, secondly you may need to have proof of said pay off, DO NOT agnolige the debt..by saying yes it was a debt of your they can reinstate the debt(sosrry can not spell). also file a complaint with the federal goverment on it, as this is illegal, you may need to get ahold of a consumer attorney to help you with this....

Answer 3

Try the site below, make sure to change the location/state in which you reside. Hope this helps.

Answer 4

when you paid the deby did you get a release for the debt owed?

write a letter to the company claiming the debt owed in question

send it certified with return reciept. it should say someting like this..

Month Day, 2007


Dear _____________________:

This letter is being sent to you in response to a notice sent to me on Month Day, 2007
. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:
• What the money you say I owe is for;
• Explain and show me how you calculated what you say I owe;
• Provide me with copies of any papers that show I agreed to pay what you say I owe;
• Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
• Prove the Statute of Limitations/UCC has not expired on this account
• Show me that you are licensed to collect in my state.
• Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
• Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection Practices Act
• Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that your offices make no telephone contact to me at my residence or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose.


Reguards,