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You can file abuse under the Fair Credit Reporting Act. It is enforced by the Federal Trade Commission. Contact your state Attorney General. And as also stated, go ahead and report them to the Better Business Bureau.
You can call your Attorney General's office with the information that you have acquired and get help.
The first thing I would recommend is keeping a journal of who you spoke to and when you spoke to them, if it is a phone conversation. If you have sent a letter, a copy of it and the date you sent it would be very helpful. Use this information to contact the Better Business Bureau. They can help with this. Their web site is bbb.org
Further, each state has a governing body that regulates collection agencies in that state. Remember the collection company cannot operate without a state licence. That is the way to get results, by complaning to the state regulatory body.
It's the Fair Debt Collection and Practices Act (FDCPA) not the FCRA. If the abuse is real (defined by the FDCPA), go on line to the Federal Trade Commision's web site (FTC) and file a complaint there. Too many consumers think that they know what is legal based on their own sense of what they believe is legal or not. Don't do that! If you are going to complain, be smart about it. If you want to KNOW, go look up the FDCPA (Google "FDCPA") and find out. You may also want to WRITE your state attorney general's office citing the SPECIFIC COMPLAINT under the FDCPA. Don't whine and/or generalize. State what it is that is illegal and why - not your opinion. Cite the specific section(s). Know what you are talking about.
If you REALLY want to get under a bill collector's skin, get an old answering machine or other recording device that you can control manually. When they call say "this call is being recorded for quality control purposes and enforcement of the FDCPA". If he or she is not decent in word and tone after that, you are listening to an incompetent bill collector (and there are too many of those out there). Once you have the violations recorded, you may have the beginnings of a law suit on your recorder. The more recordings you have of the same violation(s) serves to prove intent. Flagrant violations (vulgar or verbally abusive tones, shouting, threats of clearly unlawful actions) will almost certainly put you in the driver's seat for an out of court settlement. Any ambulance chasing lawyer would be happy to take 1/3 of your settlement by taking the case to the agency's legal beagles. Those guys really hate that kind of attention. I personally know of some collection agencies that routinely pay out of court settlements of around $90,000 a month. And you wondered if bill collectors made good money! Now you know.
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If a second collection agency takes over a unpaid debt can they have that collection put on your report?
Yes the second collection will be placed on the credit report. But they will remove the first collection agency off the report. In some states it is against the law to be double billed by two collection agency for the same debt.
Is there a dollar amount for collection agency's to report to the credit bureau?
A collection agency can report you to the credit bureau for any amount of money. There are agencies that will report for amounts under a hundred dollars.
If you settle an old credit card debt with a collection agency paying the negotiated price in full will the collection agency remove the collection from your credit report?
No the collection will not be removed from the credit report. They will show it paid in full.
How do you find out from a collection agency who sent you to them for collection when you never was notified that you were in collection you discovered it on your credit report?
File a dispute with the credit reporting agency.
What happens if you do not pay a collection agency?
if a collection agency isn't paid, the debt can be put on a persons credit report. The collection agency can also choose to garnish a persons paycheck.
How many times can a collection agency inquire on your credit report?
Unless you have given a collection agency written permission to pull a full credit report they are in violation of credit laws.
If you pay a collection agency does the collection come off of your credit report?
Yes you tell the collection agency you will pay ONLY if they can give you a letter that say they will delete the item from your report it's call pay for deletion
Can unpaid co-payments for Hospital bills hurt your credit report?
Yep! If the ambulance company turns your account over to a collection agency that agency might report the collection on your credit. Medical collections are the most common type of collection on a credit report.
Are you asking a collection agency to falsify your report if you ask them to remove a paid account from your credit report?
no.
If vehicle was repossessed in 2004 but ex spouse stopped paying consistently in 1999 What date must the collection agency report to the credit bureau?
The collection agency typically does not report to the credit bureaus, the original lender does. Lenders report to the bureaus, collection agencies collect on delinquent debt.
What does it mean when your credit report states that you have a paid closed collection account on you credit report?
The original account with a normal credit company went to a third party collection agency. Only after it went to the collection agency was the debt paid and then the account closed.
How do you find the collection agency's contact information if the reference on your credit report says only 'medical collection account'?
Contact the credit reporting agency from where you got the report. They have the contact information and can provide that to you upon request.
