Roms Posted July 28, 2005 Report Share Posted July 28, 2005 New item showing on my CR. Original amount of 885Recent Balance of 285Recent Payment of 0Type InstallmentThe OC is Mediacom.I sent a DV to the CA and of course they sent me a bill..so the question(s) are..How did the balance get to 285 from 885 without any payment history?CRA came back as verified and I am not sure I owe this.If the smoke clears and I do owe this.Who do I approach to pay this off?Mediacom is not listed on my CR Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 28, 2005 Report Share Posted July 28, 2005 How old is this debt? Did the statement itemize costs from 0 balance to 885 or 285? Link to comment Share on other sites More sharing options...
Roms Posted July 28, 2005 Author Report Share Posted July 28, 2005 date opened 2/03reported since 5/03date status 5/03last report 12/03historycollections as of 12/03, 5/03no indication has to how this debt came about..285 was the only amount. Link to comment Share on other sites More sharing options...
Roms Posted August 11, 2005 Author Report Share Posted August 11, 2005 Well the CA sent me a bill on the first DV.I sent them another DV letter on 8/5.I did talk to the OC and they are willing to accept payment from me.CA is the only party reporting to the CRA. Do I continue to lean on the CA for a delete? Would the next step be to sue in small claims? Link to comment Share on other sites More sharing options...
valdor125 Posted August 12, 2005 Report Share Posted August 12, 2005 How nice of them to be willing to accept a payment on an account that you don't even remember having! If only all creditors and collection agencies were this consumer friendly. If you already sent them a DV and they didn't send you the proper paperwork back, dispute with CRAs again and send an ITS if it is not immediately removed from your credit report. And don't ever send them a penny! Link to comment Share on other sites More sharing options...
Roms Posted August 12, 2005 Author Report Share Posted August 12, 2005 I received a "canned" letter from CA today (letter dated 8/05 and postmark 8/9.This letter is in response to my second DV. This time they did indicate who the OC is and told me to send payment to the OC. Bla bla bal sorry consumer payup and we will change the status of our report to the CRA.The responce to the first DV letter wanted me to send the monies to them.Well the account was/has paid in full already.I am sending out a nice nasty letter tomorrow demanding they delete the tradeline in ten days. Enclosed will be a civil small claims notice all prepped ready for filing.I am asking for 2k for Violation to the FDCPA.Hoping they understand I am willing to settle with a smile..And/or smile with money in my pocket.Wish me luck. Link to comment Share on other sites More sharing options...
Roms Posted September 2, 2005 Author Report Share Posted September 2, 2005 Sent the CA an ITS with an unfiled small claims notice demanding deletion in 10days of receipt.Ends: They deleted from all 3 CRA's.Hands are clean of the filthy CA's on my CR.Now it's time to deal with Providian and the CO. Link to comment Share on other sites More sharing options...
Anonymous Posted September 2, 2005 Report Share Posted September 2, 2005 Too bad you couldn't have stamped that small claims notice with a rubber stamp marked "FILED" and wrote some numbers on it just to throw them off.The courthouse were my x-MIL works - the "official" FILED stamp - was purchased out of the Staples catalog. Link to comment Share on other sites More sharing options...
Roms Posted September 2, 2005 Author Report Share Posted September 2, 2005 ...Might keep that in mind. But the unfiled worked as well.DW has a few collections we are working on.. Thinking I may just send one DV this round and follow with the ITS. The whole process took about 50days. Link to comment Share on other sites More sharing options...
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