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Help...CA letter with wrong account information......
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Posted by piggybank
(65.161.12.25) on July 02, 2002 at 13:20:16:
CA sent me letters trying to collect a medical debt. I paid this debt to the OC (have PIF letter from OC) and am working to get the CA to delet from my reports which they don't seem to want to do.
I received 2 letters from CA in January, but I ignored them b/c it referenced my account with "UARK FEDERAL CREDIT UNION" (which I've never had--even verified with the credit union and they told me that it was impossible b/c such an account did NOT exist). The THIRD letter I get from CA (after derog was placed on my CR's) references my account with NEUROLOGICAL ASSOCIATES (correct). Same account number, same everything, the CA just corrected their mistake. This letter said nothing about having 30 days to dispute, etc--did have the 'from a debt coll, any info obtained' part, but no way to challenge the validity of the debt. It was short and sweet: "the only thing that will IMPROVE your credit record is to pay this in full"
??I thought a CA had to give you the complete mini-miranda (with correct account information)
??I didn't think that CA's could promise to "improve your credit rating"
??I don't feel the CA gave me proper notification (including the right to dispute)because the initial contacts referenced an account that did NOT exist??
??What kind of leverage do I have to get the CA to delete the entries on my report, and how should I use it??
Thanks for any and all replies.
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