My question involves collection proceedings in the State of: PA
There is a company that is claiming that I owe a debt to a dentist that did some work on me in 2005. I contacted the Office of the dentist and they have a record of me owing $3.71 but they discounted my account as a courtesy. (I've spent thousands of $ there) Dentists have come and gone so it is possible that a debt was sold to this company, but there should be no outstanding balance.
I challenged the company's reporting to each of the 3 major credit reporting agencies and it was removed from one due to failure to provide proof of ownership. For some reason it was never removed from the other two companies. (Equifax and Experian)
I wrote to the company asking for proof of ownership and gave them a reasonable time limit of a few weeks. It has been over 3 months now and I have yet to hear anything. My question is what venue should I choose to sue this company? Should I sue in my local court, or does this need to be taken to some higher level (federal?).
I have sent all correspondence by certified mail and I have signatures of the requests being received.
I'm really sick that this company can destroy my perfect credit with this accusation and no proof.
Thank you all for your time!