From: dontdamnme_79[at]yahoo.com
snip for brevity
- quote -

You paid /every cent/ owed, and neither the collection
agency nor bank will clear their complaint with the three
credit bureaus?

- quote -


No, I don't think so. I'd go to both bank and collection
agency, with all my documentation, and with an attitude of
"bygones" so you can get what you want, explain the
situation with enormous (bite your tongue, if necessary)
courtesy, and make them tell you why they won't clear your
credit record. If you paid off every cent, there's nothing
more for them to collect.

Document in writing as much as possible what transpires.

Something does not add up here.

I worked with the credit bureaus a couple of years ago after
a small but not insignificant case of ID theft, resulting in
billing to me without my knowledge by some yahoo. Lotta red
tape and a bit of a runaround now and then, but the credit
bureaus were overall pretty good. There was a fairly
well-defined process to clearing up disputes. Fill out all
the paperwork to which they direct you, certify, submit it,
and the bureaus review it pretty quickly--couple of months,
tops. OTOH, the (phone) company that had let (AFAIC) my ID
be stolen had a history of this problem, and that probably
helped clear my name.

The following was cross posted. With corrected headers, it is
reproduced below.

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Subject: Account in dispute went to collections, now on credit
report...
From: dontdamnme_79[at]yahoo.com

I had a little problem with a checking account that went overdrawn due
to some tricky application of NSF fees by the bank that finally
resulted in a few hundred dollars and I said to hell with it. Anyhow,
I was disputing these items with the bank and they never called me
back after saying they would.

Time elapsed and eventually the bank turned
it over to a collector before I could get the issue resolved. Well,
anytime I tried to contact the bank after this, I was told "I'm sorry,
your account was charged off and we don't have any info anymore, you
need to call the collection agency". The bank acknowledged the
balance and the fact that it was with a collector, even giving me
their phone #. In essence, they told me I was screwed, pay up.

I eventually paid the collection, because I needed to open a checking
account elsewhere. However, this did not change the fact that I was
disputing the item with the bank and that it should have never gone to
collections. My question is: should I put in a dispute form with the
credit bureaus, stating this account was in dispute and should be
removed from my report? What are the legal ramifications? I trust
that dealing with the bank or the collection agency is just a waste of
time at this point, especially since I have paid off the debt. Any
advice would be helpful. Thanks!

Amp


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-HW "Skip" Weldon
Columbia, SC