red1gtrubodsm Posted November 30, 2007 Report Share Posted November 30, 2007 I have a collection that i paid off . I paid the full amount they wanted and i have proof of that payment and copies of my CR that state the amount still owed before i paid it. the CA then reported to the CRA's as "paid, settled for less than full balance". I called the CA to see why this was. they said it was paid in full and my CR would be updated. I then disputed with the CRA's and came back "verified". They verified it being paid for less than full balance. Sinse they verified incorrect information, is that a FCRA violation? do I have the grounds to sent them a delete or ITS letter? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted November 30, 2007 Report Share Posted November 30, 2007 who's the CA? Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted November 30, 2007 Author Report Share Posted November 30, 2007 who's the CA?Portfolio Recovery Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 1, 2007 Report Share Posted December 1, 2007 Go ahead and send a letter to their prez - like a GW letter, you know? How you feel cheated by them, blah blah blah... Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted December 3, 2007 Author Report Share Posted December 3, 2007 Go ahead and send a letter to their prez - like a GW letter, you know? How you feel cheated by them, blah blah blah...I did that already and havent heard anything back yet. What gets me is that they told me that i paid in full and their recoreds reflect that but yet when i got my EQ dispute letter in the mail on saturday, it stated that the CA reported as only receiving $280 of the balance when they actually received $328. they have now falsified even more information and I have written proof that they lied to the CRA's and falsified information. Link to comment Share on other sites More sharing options...
kevin3344 Posted December 3, 2007 Report Share Posted December 3, 2007 when they actually received $328Do you have proof of this? Canceled checks maybe? Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted December 3, 2007 Author Report Share Posted December 3, 2007 Do you have proof of this? Canceled checks maybe?yes i do. I paid with debit over the phone. I already have a copy of my online banking showing the date and amount and it states the CA's name right on there plain as day Link to comment Share on other sites More sharing options...
kevin3344 Posted December 3, 2007 Report Share Posted December 3, 2007 There you go. Make copies, send them CMRRR to each CRA that you have a problem with and write in big fat letters "PAID IN FULL, SEE ATTACHED". Don't send you entire bank statement just the part that shows you've paid in full. Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted December 3, 2007 Author Report Share Posted December 3, 2007 There you go. Make copies, send them CMRRR to each CRA that you have a problem with and write in big fat letters "PAID IN FULL, SEE ATTACHED". Don't send you entire bank statement just the part that shows you've paid in full.Wouldnt it be better to go after the CA and send an ITS letter if they dont delete immediately?. They have now 2 times "verified" with the CRA's that their info is correct. I have blaitant proof it is not. it is against the law to report false information. they have done this to EX and EQ. so that is multiple FCRA violations. My goodwill letter got no response.I would rather have a deleted collection TL than a "paid in full" collection account. especially being as its only 3 years old. 4 more years as a baddie on my report hurts Link to comment Share on other sites More sharing options...
kevin3344 Posted December 4, 2007 Report Share Posted December 4, 2007 That's up to you, however you should do as I outlined first. If they STILL don't correct it then yes, you have a case. Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted December 4, 2007 Author Report Share Posted December 4, 2007 That's up to you, however you should do as I outlined first. If they STILL don't correct it then yes, you have a case.My main goal is to get them to delete completely. scores way better than a paid collection Link to comment Share on other sites More sharing options...
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