Credit report, can they leave it on?

[russeal]

What is the name of your state?
NE

If a collection agency can not validate a debt, will the credt reporting agencies remove the listing. I know that it is removed after 7 years, or if the creditor or collection agency, or who ever has reported it no longer has records. This sounds like no records to me. If the original creditor has sent their documentation to the people who they sold it to, (and they don't have them) do they have enough of records that it still can stay on?

Or do I just contact the Credit reporting agency and require them to have those reporting these items to show they have records?

Thanks

 

[cmorris]

I'm assuming you have copies of your current credit reports (not a trimerge, one from each of the individual bureaus).

If so, here is how I would proceed:
Send a debt validation letter, certified mail return receipt, to the collection agency. Ask for proper validation as per the Fair Debt Collection Practices Act.

As soon as you get the green card back, send a dispute letter, certified mail return receipt, to each credit bureau. Dispute as "not mine."

The collection agency will have to send you validation BEFORE verifying the tradeline with the credit bureaus. If they do not verify within 30 days (45 if it is a free report), it must be deleted. If they do verify, but didn't send proper validation, the collection agency violated federal law.

 

[russeal]

The CA had filed suit, so I had already done the validation letter, and they cancelled the court date, and sent a letter to dimiss. I had not recieved the letter of dismissal yet so the court called to find out why it was cancelled. Their response was that they could not supply the documentation that the letter demanded.
So now I should just send a letter of dispute to the credit reporting agency, right?

 

[cmorris]

Send the validation letter, certified mail return receipt. Save everything--this seems like a sneaky CA. Also make sure the suit was dropped...

I suggest you go to creditboards.com first, so you know more about what you are doing, who you are dealing with, and to get sample debt validation letters.