Collection accounts listed as "open"?

Question

Listing a collection account as "Open" is a violation for a collection account.

What do I do from here, I know that it's $1000 but I dont even know who to conact or where to even begin. I can tell you that looking at DH TU file right now in front of me he has the following:

1. PAID AFTER CHARGE OFF / COLLECTION - OPEN ACCOUNT
2. COLLECTION ACCOUNT - OPEN ACCOUNT
3. PAID AFTER CHARGE OFF- OPEN
4. COLLECTION- OPEN
5. PAID COLLECTION- OPEN
6. COLLECTION- OPEN
7. COLLECTION- OPEN
8. COLLECTION- OPEN
9. PAID AFTER C/O- OPEN
10. COLLECTION - OPEN
11. PAYMENT AFTER C/O- OPEN
12. COLLECTION- OPEN
13. PAID COLLECTION- OPEN


Any help is greatly appreciated!

Answer 1

There is just to much info missing to give a good answer about this.

He has 13 accounts? Or are some of them duplicates?
Are they all paid but just not showing as paid? Or are only 6 paid?
If some are unpaid, is he out of the collecting SOL in your state?
Is that the only violation or are there more - 1 month term, factoring company, past due, etc.?
If he is out of the collecting SOL on the unpaid ones, has he sent debt validation letters?

If he is still within SOL, unless he plans on paying, he might not do anything with the unpaid ones at this time.

Without knowing answers to those questions - I'm just going on the info for the paid charge offs --

You should create a paper trail of showing that you had done the best you can to get it corrected before you even start thinking of suing. Just keep in the back of your mind - what would a judge like to see.

The first thing you might do is file disputes for the violation with the CRA's. (you might send the dispute certified mail, but not return requested, for your paper trail)

If the collection agency verifys the account without correcting or deleting it, file a complaint with the BBB.
If they ignore your complaint with the BBB, file complaints with the FTC, yours and the collectors AG's. Then redispute with the CRA's and include your FTC complaint
(The FTC generally does not do anything unless they receive quite a few complaints - but it may help against the CRA's)

If it comes back verified again, still not corrected or deleted, you might send an intent to sue to the collector.
If the collector ignores it, then file suit.

The paper trail you had built up should impress the judge - much more so than simply going in with only a copy of his credit report.

You might go to the last link I have listed in my profile and do some reading in the Credit Forum.

Answer 2

I think you should review the collection laws so you can be really educated before confronting a collection agency or they will squish you.

sounds like you mean he has 13 accounts which are in collection or paid off.....THATS ALOT. hopefully i'm reading that wrong or you have more to be concerned with than how it is reported as "open"

if you want to know how to contact someone then call the listed agency. it should be at the beginning of the credit report under derogatories and then search online for the phone number. odd...usually they find you! not the other way around!

Answer 3

this can be surely fixed with the help of contacting the three bureaus. you've evidence of their discharge on your papers. for sure, it really is providing that those certain expenditures were indexed on your financial disaster papers and acceptable discharged.

Answer 4

Say what?