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bhazlett901
Joined: 14 Oct 2009
bhazlett901's page
Posts: 1
22 Magic Points
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Subject: can a creditor put the debt back on your credit report after
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Wed Oct 14, 2009 10:41 am
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| I had an account with verizon wireless deleted from my file due to the fact that they did not respond to my dispute. They sold the debt to a collection agency and now its back on my report. Can they do that? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Oct 14, 2009 10:48 am
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Hello bhazlett901,
First welcome to the forum. Now since Verizon has sold your account to a collection agency they can in fact report to the credit bureaus. Any recent collection company can report. Now if that collection company sells the debt to another collection company only the new one may report. What you need to do is send them a debt validation letter to be sure they can validate the debt. Some junk debt collectors will buy debts and not get all the correct documantation to legally collect the debt. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Thu Oct 15, 2009 9:07 am
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Hi Bhazlett,
First of all, a disputed account can only be removed by a credit bureau, that too, if the information is inaccurate. A creditor cannot do that. Anyways, now that your debt account has revived and the CA is trying to collect it from you, you need to send a debt validation letter to the CA along with any written proof of the fact, that this account got deleted due to dispute by the credit bureau.
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All the Best 
Justin |
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