CloudX Posted January 9, 2008 Report Share Posted January 9, 2008 I have a collection that is with Academy Collections that I sent a DV to. They responded with the typical we received it and will honor your request and stop all collections and no phone communications. Cool. That was 50 days ago. I recently sent them a second one saying havent had any proof, so please delete. Havent responded to it. Today I pull my credit and it shows that the account is still in collections as of this month, when in November the first DV was accepted. Is this allowed? I have already notified the CRAs that they have not showed proper proof that it is mine and have not heard back from any of them, but that was only about a week ago, so no surprise there. I just want this stuff off my CR! Thanks in advance! Hope everyone is having a great start to a new year!CloudX Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 9, 2008 Report Share Posted January 9, 2008 Perhaps I missed something but what is the basis for removing it from your credit history? Link to comment Share on other sites More sharing options...
redskinfan Posted January 9, 2008 Report Share Posted January 9, 2008 They should at least mark it as being disputed. Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 9, 2008 Report Share Posted January 9, 2008 They should at least mark it as being disputed.Agreed but that wasn't my question. Link to comment Share on other sites More sharing options...
andbowd Posted January 9, 2008 Report Share Posted January 9, 2008 thanks. AB Link to comment Share on other sites More sharing options...
redskinfan Posted January 9, 2008 Report Share Posted January 9, 2008 Agreed but that wasn't my question. I know I was responding to OP. Link to comment Share on other sites More sharing options...
CloudX Posted January 9, 2008 Author Report Share Posted January 9, 2008 Sorry I think I didnt phrase the question properly...They are showing it disputed, on all three, but also showing it as an active collections. I thought if its disputed, its not shown as an "active" collections. I know they aren't going to delete the TL during the dispute, but stop showing it to where its still in collections. Does that make sense? Thanks for all your replies... Link to comment Share on other sites More sharing options...
Robert Nashville/Savannah Posted January 9, 2008 Report Share Posted January 9, 2008 I'm not sure whether showing it as "active" actually means anything or not (whether it makes any difference in a FICO score, etc.).In any case, as far as I know, disputing a debt doesn't make it "inactive" - they can continue to try to collect (up to and including suing you).Perhaps I just don't undertand the concern over whether a bureau shows it as active or not. Link to comment Share on other sites More sharing options...
Ahntara Posted January 10, 2008 Report Share Posted January 10, 2008 "...showing it as active collections..."Not sure what this means. This may simply be a format issue relating to the report you are viewing. As long as the TL is marked "in dispute' during the investigation, it's (probably)reporting properly. Link to comment Share on other sites More sharing options...
wahoo238 Posted January 10, 2008 Report Share Posted January 10, 2008 Am I missing something here folks? Why don't you dispute with the CRA as not yours, they have ceased collection activity so they cant verify, if they do FCRA and FDCPA violations plus all the ones that go with the great Lone Star State. Link to comment Share on other sites More sharing options...
CloudX Posted January 10, 2008 Author Report Share Posted January 10, 2008 Am I missing something here folks? Why don't you dispute with the CRA as not yours, they have ceased collection activity so they cant verify, if they do FCRA and FDCPA violations plus all the ones that go with the great Lone Star State.I did that a little over a week ago...still awaiting word...Thanks for all your replies, it probably is just a format issue... Im just eager to get things off! Already brought it up abotu 20 points, just waiting for the big things to come off! Link to comment Share on other sites More sharing options...
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