I terminated a lease back in 2004 because I lost my job. However, I needed to take another in a different city. I notified my apartment complex of this and they told me everything was in order. I had also asked them to contact me in case of any problems. The office even had my phone number and a forwarding address.
Earlier this year I pulled my credit report and noticed a collection for $967.00 and the original creditor was the apartment complex. I called the manager and she dug through their records to find that when I signed the lease they had offered a free month rent that was pro-rated over the term of my lease. I was supposed to pay this after I moved out.
Since I was never notified I was shocked to find out I had this collection. However, I paid the amount in full the same week directly to the apartment complex and have been messing with the collection agency for the past 3 months trying to get them to report it correctly on my credit report. What can I do?
Is the original creditor required to notify me of a debt before turning it over to a collection agency?