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Dun letter in credit report for "disputed" debt

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rick_kendrick



Joined: 02 Aug 2007
rick_kendrick's page
Posts: 2



197 Magic Points

Subject: Dun letter in credit report for "disputed" debt
 
Posted on Thu Aug 02, 2007 9:31 pm  

I'm another "victim" of Allied Interstate. Last year they were given a bill "in dispute" from Sprint. I submitted all my paperwork to Allied a year ago. This week Allied put a "nasty gram" on my credit report. The question is: can they legally do that? Thanks.
Laura

Laura

Joined: 21 Jun 2007
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37069 Magic Points

 
Posted on Fri Aug 03, 2007 5:20 am  

See, Allied Interstate is a collection agency against whom there has been a lot of complaints. You can search this forum and also our debt forum for details.

Understand that when they are dealing with you it is legal on their behalf to report to the credit agencies. If you are not happy with the report talk to Allied Interstate and talk to them frankly, or if you think it is incorrect go ahead and dispute the item.
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Laura.
carol

carol

Joined: 27 Jun 2006
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Location: Los Angeles, California


30071 Magic Points

 
Posted on Fri Aug 03, 2007 5:27 am  

Hi Rick,

It is not illegal to report to the Credit bureaus. If you have an account with them they are bound to report. However the kind of reporting they make can be fraudulent. Allied Interstate has been accused by many for duping them off money. You spoke about
Quote:
This week Allied put a "nasty gram" on my credit report. The question is: can they legally do that?


What is the nasty gram here? Is it a wrong report you mean or is it that you did not like what they have reported?
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Carol
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Posted on Fri Aug 03, 2007 5:40 am  

Rick,

Dispute the item if you think its nasty. Talk to Allied Interstate and try to settle the matter. Though I doubt their negotiations.
rick_kendrick



Joined: 02 Aug 2007
rick_kendrick's page
Posts: 2



197 Magic Points

Subject: "nasty gram"
 
Posted on Fri Aug 03, 2007 3:28 pm  

Thank you Laura and Carol for you help,
I'm sorry if the term "nasty gram" was a little misleading. I consider any "negative" report as a nasty gram.
The original "debt in dispute" was with Sprint. Sprint mislead me into a long distance program. A bill for $1300 was run up before i caught the fact they lied about the coverage of the program.
Allied is the fourth collection agency that Sprint has sent the bill. I was in contact with Allied last year, at that time they said they would do nothing more until the dispute was settled. Now Allied is on my report, therefore the reason for my question. I guess the answer is, they can legally put it there.
The real problem comes when i want to refi my house or borrow some money. I will be forced to pay Allied for a debt I shouldn't have owed in the first place. I recognize the real, real problem is with Sprint, but they claim they no longer have the file, and won't talk with me about it.
The old addage "between a rock and a hard spot" comes to mind .. Smile
And thank you "guest". I believe you are correct "I doubt their negotiations". They will just wait - someday i will be forced to pay off.
Thank you all for your input.

Rick Smile
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



37069 Magic Points

 
Posted on Sat Aug 04, 2007 4:34 am  

Hi Rick,

I would say go ahead and dispute the item. There are various consumers facing problem with Sprint.

Try to talk to Allied because rick there is no other way out. Atleast pay the minimum amount that you owe. How old is this account now? Only a year?
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Regards,
Laura.
Guest







 
Posted on Sat Aug 04, 2007 10:24 am  

From cajunbulldog:

Quote:
Lots of shady collectors are taking disputed debt and trying to collect on it.This is a violation of Fdcpa & Fcba to attempt to collect on a legally disputed debt until the dispute has been resolved.Depending on the wording of the account on credit report,it may also be in violation of Fcra. Tell poster to validate debt but to add to letter that debt has been disputed with original creditor and they should not even be legally able to collect on it.
rick
Guest






 
Posted on Sat Aug 04, 2007 3:47 pm  

Hi Laura,
The original bill was from Sprint, May 2005. Allied has had it for a year.
Since Sprint has passed the debt along the ol' collection trail, they won't talk with me. How, and to whom, do i continue my claim of dispute? How can it be resolved if no one will talk with me as to how the original debt came to be?
Thank you cajunbulldog. To whom do i "validate the debt"?
Thank you all.

rick Smile
Morningstar

Morningstar

Joined: 17 Apr 2007
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11 Magic Points

 
Posted on Sun Aug 05, 2007 12:10 am  

I am having a hard time understanding the nature of the dispute...

Are you saying you dispute the debt because a saleperson tricked you?
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Morningstar

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Posted on Sun Aug 05, 2007 12:26 pm  

Validation is demanded from whatever collection agency is trying to collect on the debt. Send the letter using return receipt mail.
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Laura

Laura

Joined: 21 Jun 2007
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37069 Magic Points

 
Posted on Tue Aug 07, 2007 6:58 am  

Send the debt validation letter to Allied Interstate.
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Regards,
Laura.
crorkz
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