Am I right when it comes to a collections agency being on my credit report?

Question

My senior year in high school I played football and injured my knee and so I had to get surgery on it and now there is collections agency coming up on my credit report showing an unpaid balance for which the schools insurance was to finish paying for. Is it legal for it to come up on my credit report even though I was under the age of 18 at the time this happened or does that even matter at all when it comes to this?

FYI
My bday was in June of 2003 and the collections agency put that on my credit report on July of 2003 right after my highschool graduation and my 18th bday

(YES, I KNOW IT'S NOT A LOT BUT I DON'T WANT TO BE RESPONSIBLE FOR SOMETHING THAT WASN'T MY FAULT TO BEGIN WITH)

Answer 1

First you need to obtain validation of the debt from the collections agency. In their validation, it will show the date the debt was incurred. If this date is BEFORE your 18th birthday..........send a copy of the validation and your birth certificate to the credit bureau along with your DISPUTE of the entry on your credit file.

The Credit Bureau should immediately delete this entry from your file, or they can be sued for $1,000.00 for violation of the Fair Credit Reporting Act, and the Fair Deb Collection Act.

Good Luck.

Answer 2

Contact the credit reporting agency and tell them you dispute the item. Provide as much evidence as you can--copies of the insurance policy, a letter from the school, etc.

Answer 3

you were under 18 and so this is not right. you need to contact experian, transunion or equifax, which ever this is one and contact them. dispute this based on everythign you just listed. upon the completion of the investigation, this will be removed I can guarantee you.

Answer 4

Hard to tell what your local state regulations are .
Ask your parents for guidance or a credit counselor .

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