Bearclawin Posted December 3, 2009 Report Share Posted December 3, 2009 Hell Everyone.New guy here, I have been watching the site for a little bit and now I have a question if anyone can help me out.I have a small medical collection on my CR that I did not know was there until a few months ago (August) this is what I did. 1. Disputed with the CRA -it came back verified2. Disputed with the Collection agency asked for validation (September) -They never responded3. Disputed with the OC (September) -They never responded4. Disputed again with the collection agency (October) -Again no responseI pulled my credit report and the collection agency never updated it as "Consumer disputes" or "Disputed". What should I do next? Did they violate the FCRA by not reporting the account disputed? Since I did not know it was on my CR it was way past the 30 days to send a dispute letter, does that go against me?Thanks Every one! Link to comment Share on other sites More sharing options...
Recovering Attorney Posted December 3, 2009 Report Share Posted December 3, 2009 Who is reporting this, the OC or the CA, or both?Thake the letter you sent and the "verified " letter form teh CRA and re-write teh CRA. Show them that since the reporters ever validated to you, the info HAS to be inaccurate adn should be deleted. Link to comment Share on other sites More sharing options...
Bearclawin Posted December 4, 2009 Author Report Share Posted December 4, 2009 The collection agency is reporting it to the CRA's. Link to comment Share on other sites More sharing options...
cinnamngrl Posted December 5, 2009 Report Share Posted December 5, 2009 Hell Everyone.New guy here, I have been watching the site for a little bit and now I have a question if anyone can help me out.I have a small medical collection on my CR that I did not know was there until a few months ago (August) this is what I did. 1. Disputed with the CRA -it came back verified2. Disputed with the Collection agency asked for validation (September) -They never responded3. Disputed with the OC (September) -They never responded4. Disputed again with the collection agency (October) -Again no responsemedical collections are different. Search Hippa medical Collections disputesI pulled my credit report and the collection agency never updated it as "Consumer disputes" or "Disputed". What should I do next? Did they violate the FCRA by not reporting the account disputed? yes Since I did not know it was on my CR it was way past the 30 days to send a dispute letter, does that go against me?Thanks Every one!So there is a 30 day period that you have to dispute a debt but it is unlikely that the CA has any proof that they gave you written notice. The best thing to do is send the DV and point out in the DV letter that you did not know of this debt until you received your credit report. Link to comment Share on other sites More sharing options...
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