Credit report....can I dispute?
Find a Conversation
|Thu, 09-12-2013 - 5:47pm|
I **finally** made it back here (to the .com instead of .ca site, which is all I've been able to get to for ages) and to be able to sign in AND get to the post page.
I have a question about what you can dispute on a credit report. Just got the report from Equifax, and it has an "open" account reported as "bad debt, collection account or unable to locate". It was reported by a cell phone company and I am sure we never received any statements/invoices/letters during the time period the account is listed as delinquent. Point being, it would have been paid if we had been made aware of it before it was charged off. We contacted the company who no longer have any details of the account as it is 4+ years ago...we can get no details at all from them. The account was sold off to a debt collection agency.
The debt collection agency is also reporting this as a bad debt. We have not received anything in writing them. They called once in February, and despite our repeated polite requests for details of this alleged debt in writing, they refused and were extremely threatening and nasty. I've since found out it is illegal for the collection agency to call before they have contacted someone by mail (they never notified us, and further refused our request to send anything). We just don't answer the phone when they call.
So one question is, can I dispute the cell phone company charge with Equifax since we didn't receive any sort of communication from the company before they wrote it off as bad debt and reported it?
Second question is can I dispute the debt collection agency charge with Equifax since we have nothing about the alleged debt in writing (and they have refused to send anything). I am not going to mail a cheque to a debt collection agency simply because they harrass us by phone and don't send any written details of their alleged claim.
The rest of our credit reports are very good (almost perfect) and I want/need to clear these charges off the report. I'd be very grateful for advice/guidance about what course of action is best. Thanks, and I hope all the rest of you are well.