I payed my account in full to a collection agency but they never reported it to creditor.?

Question

About 6 motnhs ago I paif off my bad debts. I looked to my credit report today and two of them are still showing as charge offs that have not been paid. I paid the collection agencies that they were sold to because that what was showing up on my credit report 6 motnhs ago. I has written day the names of the collection agencies and who I talked to however, I have misplaced this paper. What can I do to let the companies know I did pay them in full but to the collection agency? Im really worried and frusturated. I do have record of all payments because they went through my checking account but I paid so many that now I do not know which is which because I cannot find my sheet. I need HELP!

One of my problems is I cannot get a a hold of the original creditor. The only information I have is an address not a phone number. I have a phone number for citibank cards which Im going to try but the originak credutir keeps saying they have no record of me.

Answer 1

WOW !! All this talk of suing people! Lets just take a deep breath for a moment and calm down. My credentials? I own two companies: a collection agency and a credit repair business. First, do not be worried or frustrated. Actually, this is an easy fix but we have several methods to get there. Let me review what your goal is, then I will try my best to assist you. Do you simply want the debt reported paid in full? Or would you prefer that the debt be erased from your report? It is possible that you have 1 debt and 2 listings on your report for the same bill: the original creditor, and the c.agency. Of course, multiply this by 3 because of the three major reporting agencies. Regardless, at minimum, the debt should show as paid in full. The need for you to find "the misplaced paper" is not necessary. The c.agency, the original creditor and the 3 bureaus are all willing to assist you with what needs to be done. Why would you sue them? Instead, use the fact of their error to get the account deleted from your report! This is not done by threats, suit, or even anger. Feel free to email me and we can discuss your options further.

Answer 2

You need to contest this with the credit agency. Also call the collection companies that you paid. Let them know that if this is not corrected and effects your credit any longer that you are going to sue them for big money, and you can as long as you can prove that you paid them. If it is checks, you must have the checks with the copy on the back of the check, on money orders, the dates and money order number must be able to be seen and can be tracked by Traveler's express. Also, get your bank statements because some of them pull them out electronically. This also will show Prof. If you come down to it, sue, as long as you can prove it and gain allot of money for lowering your credit at the same time.I have a problem with this and the creditor said they told the credit bureau long ago that there was never a balance and it was for 8 stinking dollars!!!!! I never would have let that happen. Now I have to fight some more! Don't give up. One more thing, banks have a research department and tell them what you are looking for, they will check for auto withdrawals for that amount and checks for that amount, even for that year if they have to. I am going through that now with a different bill that is all bull crap. Good Luck. This is a lesson to all of us to keep better records.

Answer 3

File a dispute with the credit bureaus indicating the bad debt was paid to a collection agency. The credit bureaus will verify with the creditor and the entry should be corrected within 45 days.

You should have gotten a settlement letter from the collection agency and keep with your important financial papers. This would have given you a papertrail.

If the credit bureaus don't correct the entries and you can't remember what collection agency you paid, you are just going to have to live with that negative entry till it falls off at the 7 year point.

Answer 4

Start by sending the collection agency a certified letter, return receipt. Inform them that they are posting incorrect information to your credit history and it's making it difficult for you to get a loan. Demand that they fix the problem within 30 days or you will sue them for violations of the Fair and Accurate Credit Reporting Act and the Fair Debt Collections Act.

Meanwhile, send a dispute letter to each of the credit bureaus that are reporting this, and inform them of the error.

Then wait 30 days...during that time, do your best to document your payments to these people. If the item is not fixed within 30 days, you now have grounds to sue them for $1000 in small claims court. You should win easily.

Answer 5

Dispute it with the CRAs (credit reporting agencies) where it's appearing. Dispute it as "inaccurate". Don't do their job for them. Make them. They might get lazy, not investigate it, and it might drop completely off your credit reports. This is what you really want to happen.

Unfortunately, suing or threating to sue CRAs and CAs is often the only make them comply with the law. They don't do nice. They don't do reasonable. It's why the CRAs have created "Special Handling" Departments for people who've sued them. The CRAs know they are a bunch of screw-ups, and once someone sues them for a CRA screw-up the CRA is likely to get sued again in the future by this now empowered consumer.

Answer 6

That's funny that the previous answerer owns a credit repair business and a collection agency. Seems to me like conflict of interest.

I'm a credit repair and I hate collection agencies. I couldn't image doing both. Choose one or the other man. Either you want to help people (credit repair) or you want to make their lives miserable (collection agency).