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  1. #1
    Join Date
    Jan 2007
    Posts
    14

    Default No creditor, address, or number listed on Credit Report

    I have an entry on my husband's credit report that shows as follows:

    COLLECTION
    #356xxxx

    Last act: 06/02
    Balance Owing: $75
    unpaid medical

    I MUST dispute this as my husband received no medical attention of any kind that year, not even a checkup. He had no insurance policy and was not even employed in this state at the time. The creditor is a "medical facility" in our city. The credit bureau has no further information on the creditor or this debt... what can we do? There is no way for us to know who the creditor is or find out what it was for - can we just request that the entry be removed because the debt cannot be validated? I cannot send a regular validation letter since there is no address.

  2. #2
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,620

    Default Re: No creditor, address, or # listed on CR

    1. Demand that the credit bureau verify the information; and

    2. See if the creditor is listed in the phone book.

    Also, the contact information may be provided by a different credit bureau than the one whose report you are looking at. You can get all three, once per year, for free at http://www.annualcreditreport.com/ . (You don't have to buy anything, although the site will attempt to convince you to purchase your credit score.)

  3. #3
    Join Date
    Jan 2007
    Posts
    14

    Default Re: No creditor, address, or # listed on CR

    This is the only bureau where the creditor lists the debt. In addition, there is no name listed... that's why I said "no creditor, address, or phone # listed." There is literally NOTHING referring to who they are or may be... just an account # by itself, the amount owed and the last act on the "account."

  4. #4
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,620

    Default Re: No creditor, address, or # listed on CR

    Then how do you know that "The creditor is a 'medical facility' in [y]our city"?

  5. #5
    Join Date
    Jan 2007
    Posts
    14

    Default Re: No creditor, address, or # listed on CR

    Transunion reports the creditor as being in Syracuse, NY. There is no other information. I'm about to just call our hospitals and see if he's in their records at all. LOL

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