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No, the original crditor was removed because the account was sold to a third party collector. The entry will remain on the report for the required 7 years from the DLA.

You can dispute the collection agency entries as well. Often times if you have paid the debt, the collection agency will no longer keep records, thus be unable to prove the debt when you dispute it. They more than likely won't even respond, as they got their money and don't care anymore.

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โˆ™ 2009-07-28 20:14:38
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Q: If your original creditor was removed from your credit report can you dispute the collection agencies still showing the debt and have them removed also?
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Related questions

Can a collection agency report you to the credit bureau if you are making monthly payments on your medical bill?

If the debt was properly assigned by the original creditor, yes. If you are making payments to the Original creditor than ask them to pull it back from there Collection agency, then dispute with the CRA's and when they update it should delete


What do you do if an account was turned over to a collection agency but the original creditor accepted your payment in full?

Contact the original creditor. Provide proof of your payment. They need to retract the account from the collection agency. The account could have been sold to the collection agency or simply assigned to them. For your purposes, it does not matter which situation applies. You paid the original creditor and your credit report needs to reflect this. After they do what they need to do to get the account back; you then dispute the entries with all three credit bureaus. The original account should show as a paid collection and the other collection account should be removed from your credit report entirely.


If a debt has been paid to the original creditor and they recall it from their collection agency will a dispute succeed in having it removed from the credit report?

Hard to say. Disputing the collection after you pay off the creditor could still come back as 'verified' from the credit bureaus simply because the collection did happen. If the collection agency does not respond to the credit bureau's query, then the entry will be removed.


Is it legal for a creditor to send an account to a collection agency after one and a half years without ever notifying the customer that they think a bill is owed?

Yes, the original creditor is not bound by the FDCPA. The collection agency must however inform the debtor that they have thirty days to request confirmation of the debt or to dispute same.


How can you remove a medical collection that is no longer listed with the collection agency but has been returned to the original creditor?

I assume this means removing it from the CR. In which case you can't. It may eventually be updated to show the original creditor has reassumed the account. However, it is still a debt owed and still reportable. If a collection account has "been returned" to the original creditor, then the collection agency would not be able to provide verfification of the debt should this be requested. You could write a letter of dispute to both the credit bureaus and to the collection agency requesting a verification of debt. If this were provided despite the fact that the account is no longer theirs to verify, that would constitute a violation of law. This is often the first step many consumers take in gathering evidence of willful non-compliance for lawsuits against collection agencies. So, even though it may happen, it would put the CA in a precarious situation.


How can you remove a paid collection?

There are 2 ways to remove a collection off your credit report. Either by the original creditor or by the credit bureau. The creditor will most likely not help you unless it was negotiated before you paid them off. You can dispute the debt to the credit bureaus and they must investigate it. If it isn't verified with in 30 days it will be removed from your credit report.


How can you remove a collection agency entry from your report if you have paid the original creditor and there is no need to deal with the agency?

Send proof of payment to the original creditor and the information being reported against you by the collection agency. Request that they make sure the collection account is withdrawn and their original account is listed as paid. Upon receipt of that letter, send a dispute letter to the credit reporting agencies with your proof of payment. Follow up until your credit report is correct. updated entry: This is pretty good, but one problem is that neither the creditor nor the collection agency will be all that motivated to do anything since you have already paid the debt. But is really your only option at this point. Keep doing this over and over (every 2-3 months). I am always surprised, but sometimes things get removed on my 3rd or 4th time.


Can a collection ruin your credit report?

Yes a collection can ruin your credit report. Collections are similar to charge offs and will lower your score significantly all depending on the age of the collections and the amount owed. You can remove a collection by disputing it to the credit bureaus or by contacting the original creditor and working out a deal. Either way works well. You might have to hire a credit repair service if you decide to dispute it or have the money to settle the collection if you contact the creditor directly.


How do you get a judgment listed as satisfied on your credit report?

Your creditor should do it. If not, go to the credit reporting agencies and try a dispute. www.annualcreditreport.com This is free. No subscription tricks.


Who do you write a letter of dispute to?

You can write a letter of dispute to the collection agencies if that is who listed your credit account wrong. If it is a company, you can write a letter directly to their account or customer service department.


Can a collection agency put a delinquent debt on your credit report if it was never reported by the original creditor and the SOL has expired?

Yes they can. The SOL being expired gives you a good basis upon which to dispute the entry and an affirmative defense to a lawsuit; but those won't prevent a collection agency from reporting a bad debt.


If your account is sold to a collection agency how to do you find out when it was sold and how old the account is?

When the collection agency contacts you, they have to give you the opportunity to request information concerning the debt. You will have thirty days to send a written request to dispute the debt. And to ask for confirmation of the original creditor, the amount owed, when the account was remanded to the agency, etc.

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