ERS AND HSBC NV I paid an account off and the company sold by account to ers saying i still owes the bill Buffalo New York
I paid Housebank bank off to Midland collection agency in 2004. i settled this account with them. I thought I was finished with them.
I got a leter in the mail box saying that i now owes ers for the same account I paid off in 2004. I called Midland and ask them about this account and they told me that it was paid off already.
I got a copy of my credit report, it has that it was paid on 1 of my credit report. The other credit report shows that I still owes this. I called them to ask them about this account they said they sold it to a collection agency called midland. Midlands now said that the acoount was paid in full with a settlement which was not reported on my experian credit report. I was trying to buy a car and this is showing that i owe a dedt that is not owed to anyone on this.
Clausell
lamar, South Carolina
U.S.A.
2 Updates & Rebuttals
P
Dallas,Texas,
U.S.A.
POSSIBLY A DUP ... SAMPLE LETTER
#3Consumer Suggestion
Tue, January 30, 2007
from a privacy rights site ..
Date
Your Name
Mailing Address
City, State, Zip
Re: Disputing Inaccuracies on My Credit Report
Name of Credit Reporting Bureau
(see our fact sheet 6 for addresses)
Mailing Address
City, State, Zip
Dear Sir or Madam:
I am writing for two (2) reasons:
1. To dispute certain information in my credit file; and
2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion.The item(s) I dispute are encircled on the attached copy of the credit report and further identified by (identify the items by name of source, such as creditor or tax court, etc. and identify type of item, such as credit account, judgment, etc.)This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or whatever specific change you are requesting) to correct the information.(If you are enclosing documents such as copies of cancelled checks, payment records, court documents, send copies only, you should always retain the originals -- and use the following sentence.)
Enclosed are copies of the following documents supporting my position:
1.
2.
3.
Please reinvestigate this (these) matter(s) and (delete or correct) the disputed items within the time frame required by the Fair Credit Reporting Act (FCRA) and inform me in writing of the outcome.Thank you for your time and consideration in this matter.
Sincerely,
________________________
(Signature)
Your name
P
Dallas,Texas,
U.S.A.
GET THE REPORT WHICH SHOWS YOU PAID AND SEND IT TO THE CREDIT BUREAU THAT INDICATES IT ISN'T PAID ...
#3Consumer Suggestion
Tue, January 30, 2007
Also if you have anything written from Midland send that to. The Credit bureau only has a limited time (30 days?) to correct your record after notification. If the bureau doesn't then you have a case against the offending bureau.
Steve and J-Lakewood will probably be along shortly with additional info