bigblue Posted September 21, 2010 Report Share Posted September 21, 2010 i paid a old duke energy bill that was in collections wIth a DRS BONDED COLLECTIONS. after i paid it, it showed on the credit report as paid.fast forward three months, it is back on there as open, owed! by the same collection agency. i called them, and they said they didnt put it on there, AND CANT TAKE IT OFF! please, what should my next step be? you guys have been a TON OF HELP!.. THANKS AGAIN Link to comment Share on other sites More sharing options...
BV80 Posted September 21, 2010 Report Share Posted September 21, 2010 They can't remove it? Bull! If it were me, I'd send them a copy of your check and any receipt you received from them, and tell them to remove it. I could be wrong, but from what I understand, you don't have to dispute an item on your CR with the CRA. You can dispute it directly with the furnisher. If they don't remove it, just to be safe, dispute it with the CRA. Send them a dispute letter along with your copy of payment. If it's not removed at that point, SUE! Link to comment Share on other sites More sharing options...
Massive Posted September 22, 2010 Report Share Posted September 22, 2010 They can't remove it? Bull! If it were me, I'd send them a copy of your check and any receipt you received from them, and tell them to remove it. I could be wrong, but from what I understand, you don't have to dispute an item on your CR with the CRA. You can dispute it directly with the furnisher. If they don't remove it, just to be safe, dispute it with the CRA. Send them a dispute letter along with your copy of payment. If it's not removed at that point, SUE!I agree. Link to comment Share on other sites More sharing options...
Flyingifr Posted September 22, 2010 Report Share Posted September 22, 2010 I would take the position that its being there is a FDCPA violation (mis-stating the nature of the debt) and simply file suit over it, then see how fast they CAN remove it and cut you a check for the insult. Link to comment Share on other sites More sharing options...
Dr. Evil Posted September 22, 2010 Report Share Posted September 22, 2010 I would take the position that its being there is a FDCPA violation (mis-stating the nature of the debt) and simply file suit over it, then see how fast they CAN remove it and cut you a check for the insult.if it's paid, it isn't a debt is it? Link to comment Share on other sites More sharing options...
Flyingifr Posted September 25, 2010 Report Share Posted September 25, 2010 if it's paid, it isn't a debt is it?And that is the basis of the FDCPA suit - because by putting it on the CRA as an outstanding debt they are misrepresenting it in not stating the fact that it has already been paid. Link to comment Share on other sites More sharing options...
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