Therein can lie the source of much headache, aggravation and damages for a consumer, and much denial of responsibility from the CRAs. Let us say that Consumer An is receiving bills for a .00 balance on credit online report Buffalo a department store credit card.
Consumer A never applied for such a card and therefore the debt cannot be his.
He credit online report Buffalo suspects someone stole his identity and opened the account using his social security number and other credit online report Buffalo private information.
After numerous phone calls and letters back and forth, the department store agrees that it is not Consumer As debt after all and tells Consumer A not to worry about it, that theyll take care credit online report Buffalo of it. Naturally, Consumer An is now relieved and assumes that it will be taken care of, i..e., they will stop billing him for the invalid debt and it will be deleted from his credit report.
The account number, by the way let us say it is 1234567890 and that is the way the CRAs are reporting credit online report Buffalo it on Consumer As credit reports. free credit report band Consumer A notifies the CRAs by certified mail of the situation, along with documentation, and they all delete the previously reported trade line within a month. ]] About four months go by and Consumer An is dismayed to receive in the mail a letter from a credit online report Buffalo Debt Collection Company named Pit Bull. Pit Bull, in its letter, states that it is collecting a debt on behalf of the department store (the same one that earlier told Consumer A not to worry about it, that they would take care of it and delete it fromhis credit report.) Pit Bull shows the debt now as , having tacked on a penalty and a default charge or attorneys fees), but informs Consumer A that, although he owes immediately the full amount of , they will take as a full payment. totally free credit reports They cant guarantee Consumer A that credit online report Buffalo the department store will reinstate credit online report Buffalo him in good graces vis-à-vis his credit card (the one that was neer his in the first place) but if he pays them the at least they will stop dunning him. The account number on the letter is now 123DEPTSTRE890. A few months later Pit Bull furnishes the account 1234567890 as 123DEPTSTRE890 to the CRAs, showing the account as a charge off, amount , and a note that the trade line will be reported for credit online report Buffalo the next seven years!
He calls the department store and reiterates credit online report Buffalo his story that the department credit online report Buffalo store had earlier investigated, agreed with him that he did not owe the debt and that they would take care of it for him. These words come back to haunt Consumer An credit online report Buffalo as the representative now tells him that they are sorry, the account is now with collections, and that they cannot interfere as it is now out of their hands. get a free credit report
Consumer An also tries to clarify the situation with Pit Bull but, other than being cursed at and told to pay the damn bill, he gets nowhere.
He disputes with the CRAs with certified letters, giving a full account of the situation and a statement that he categorically does not, and never did, owe the debt.
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