I went to court and sued a collection agency and the judge stated that the agency does not have enough evidence of me oweing them money and that they are requried to send me a letter stating the account is close. when I got the letter from court it stated that the collection agency owe me $240.
Original that's what I put on the form that I am sueing them for but I just wnated their attention and wanted the record deleted from my credit report. I talked to the representive for the collection agency breifly stating that I need a letter stating that I don't owe them and that it should be reported to my cc report. but in return after further thinking and researching I want the record removed and any other records that points to that transaction. I e-mailed the representative about my request but no reply.
What should I do bring them to court again with the detail that I want it deleted from my cc report or should I wait to see that the letter will be from the collection agency I want to get this out of my cc report as soon as possible. This has only been two weeks since the court date.
Thanks in advance.
Can you please go into more detail about how you handled this, I have a pending case and would really like to know what you did to get to this point. Please expand, I would very much appreciate it. thanks in advance.
credit bureau
My thought would be to go to the credit bureau...state that they were unable to prove their debt...did you have an attorney or some kind of legal advice as to going about this? good luck and the letter might provide more info...another thing would be to try and get the inquiries removed...they themselves thought it was suspicious activity so they might be inclined to remove them...
I agree, maybe if you send a copy of the letter from the court with the dispute that may help get the item removed or updated.
I did this whole thing myself :) and took the risk of them not providing evidence of any transactions I have made or the sign contract for that debt which they failed to provide. It took me about 10 letters to them stating that they need to provide me with the transactions and the signature of me with that contract. I sued them for $200 for paper and postal services to get their attention to show up in court. But during the court session the judge stated that if the represetative of that colleciton agency have proof and she didn't have no proof. So the judge stated that I needed a letter from them stating the account is closed and the representative stated that it was close as well so after court I got a letter from the court a week later stating "... Shall pay plaintiff me $200 principal and $40 costs on plaintiff's claim and that was it"
I read online that even though the account is close it is still not good enough the cc report will still take a hit and the best thing to do is request for removal. Now the question is to go to court and redo this process 2 months or wait and see what the collection agency going to send :(
First step is to ask the collection agency to provide you with proof that you owe them the debt. It seems that they will not have any proof hence, talk to the credit bureau and inform them that the collection agency is unable to provide you with any proof that the debt belongs to you.
To dispute this information you must provide the copy of the court statement to the credit bureaus and this will help to remove the misinformed debt records from your credit report.