How do I remove a collection agency that has picked up my joint account that was showing as derogatory/closed pay out by original source. After three years, now all of a sudden its on my report under a new debt collector but definitely settled and was written off. Is this legal?
If it's already been paid dispute it.
Dispute it!!
Dispute it. It’d also help if you have access to the documentation showing paid in full.
Did you try a dispute?
Legal, probably not but hard to successfully handle through the legal system. Contact all Credit reporting agencies to correct.
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that's odd
Dispute it in writing. While it's being investigated it has to have a code put on it that it's being investigated. Send a letter stating that it is not a valid debt, that the balance is incorrect and and you want it removed immediately. They have to prove that there is a reason for it to be there and when they can't do that it will never be shown again.
Send a formal complaint
Contact the credit bureaus
no
Yes
Dispute!
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1099-A
Do you have to dispute with every credit bureau or just 1?
Nope
dispute it
Definitely dispute it. Any updates?
Never again!!
Wow, very interesting
Dispute!
