Seemingly bogus collections account popped up on credit report – HELP

posted 7 months ago in Finances
Post # 2
1362 posts
Bumble bee

The debt has been.legally sold to collection. So that is who  you deal with. Contact them do not ever acknowledge the debt as legitimate,  inform is in dispute, and ask for all copies of their documents  to support their claim sent to you. Best way to ask  is via registered mail. 

Unfortunately  if you do not have any evidence if error, you’ll have to pay it. There is no way to remove it from the bureau short of winning in court,  if you don’t have evidence. 


 (Former Credit  Officer , collections nanager) 

Post # 4
522 posts
Busy bee
  • Wedding: April 2018

abbeykissintoads :  Depends on your countries laws etc etc but I just finished cleaning up my disaster of a credit report, with legimitate and illegitimate debts.

You cannot speak to the utility company about payment at this point.  But you can ask for copies of your records.  I would call the utility company and ask them to send you your final 12 months of bills if you don’t have them.  Ask them for dates that your account was closed etc.  If you had an online login, see if you can still use that login to access the information yourself.

Also contact the collections agency.  As PP said, do not aknowledge the debt at all.  Say you have no idea what it is and want to dispute it, and ask them to send you all the information they have, including the original bill and attempts at contacting you.  

Once you have all the information you can get from both parties, speak to a financial counsellor or debt counsellor.  The amount may not be much, but if you pay it now it may still affect your credit record for years as a cleared default.  A financial counsellor will be able to assist with what will cause the least amount of damage to your credit rating. 

Did you inform the utility company in writing of the date you were moving? If you did, and the dates for the bill are after that period, you should be good. 

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