collection agency dispute

[fourseasons]

What is the name of your state (only U.S. law)? ut

I requested my yearly credit reports and a collection agency is listed under negative accounts. This is for an electric company (that I have not done business with since 1999).

The amount on all three reports is the same. One report states date opened 3, 2008, one states date assigned 3,2008 (with 1st delenquincy 2, 2008) and one states date placed for collection 3, 2008.

All 3 credit bureau reports indicate that it was reported on 6, 2008

I disputed with the credit bureaus, and 2 of the credit bureaus states the the information remains on my credit report because it was reported accurately. I have not heard from the 3rd one.

I have not been notified by this collection agency (and have lived at my current address for 7 years).

I want to get this off my credit report.

If this is identity theft, what direction do I go?

If this is my account, is it legal for the collection agency to re-age it?

This collection agency was registered in 11, 2006 and has an unsatisfactory record with the BBB due to failure to respond to 2 or more complaints (the BBB has 11 complaints against them)

It is my understanding that to ask the collection agency for validation, only requires them to give me the name and address of the original creditor. Will they send a copy of the original contract and payment history?What is the name of your state (only U.S. law)?What is the name of your state (only U.S. law)?

 

[Debt Guy]

I would contact the utility company and discuss the matter.

The information on your credit report comes from the data furnisher -- the CA and the OC. The CRA is not going to take your word that the info is wrong.

If you wish to dispute, a dispute directly to the data furnisher would make more sense.

You are correct. The CA is only required to furnish you the name and address of the OC.

It is unclear to me exactly what you wish other than to have this off your credit report -- so would about a million other people with lousy credit history. If the information is reported wrong, then you dispute to the CRA and to the DF. If they fail to correct the error, you have little leverage and few options. There are no credit report police.

Write letters of complaint to the FTC, the ACA, the AG of your state, the AG of their state, the General Counsel and the Consumer Complaint Officer of both the CA and the OC. If none of that works, you go to federal court and file a lawsuit.