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  1. #1

    Unhappy Collection Company Ruined My Credit

    Texas:

    I left an apartment complex 2 years ago with all dues paid. 30 days after i left, i received a letter from Apartment complex, saying i owe them nothing i.e., my balance is $0.00. Couple of weeks ago, i pulled up mt credit report and saw a collection account of $200, sitting on my credit report. I Spoke with collection company, and they stated that i owed apartment complex some money.

    I think, apartment management is ripping me off and also they had one month to legally let me know of any amount(s) owed. Now after one year and without notifying me in advance, they forwarded this account to outside collection agency and ruined my credit.

    Despite of several attempts, they are not taking it off my credit report. What grounds do i have for a lawsuit. I want this thing gone from my credit report.

  2. #2
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Collection Company Ruined My Credit

    what did you do in regards to the "attempts"?

  3. #3

    Default Re: Collection Company Ruined My Credit

    There were no attempts whatsoever. I was never notified of any balance due and the account was sent to OCA without my knowledge and without being given a chance to resolve it.

  4. #4
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Collection Company Ruined My Credit

    There were no attempts whatsoever
    .

    then why did you post the following?





    Despite of several attempts, they are not taking it off my credit report. What grounds do i have for a lawsuit. I want this thing gone from my credit report
    .

  5. #5

    Default Re: Collection Company Ruined My Credit

    Quote Quoting jk
    View Post
    .

    then why did you post the following?





    .
    You meant attempts on my part... ma bad...
    I contacted them and told them, they should have told me before sending this account to collection agency. They stated that they have sent me letter advising me of the amount remaining. I never got a letter and they dont have a proof. When i asked for final letter showing any credit or owed balance, they made up a letter and faxed it to me.
    This 'made up' letter was completely different than the original one i got and was tailored to match their demands and show an outstanding balance, after such long period of time.

  6. #6
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Collection Company Ruined My Credit

    Quote Quoting bholabhala
    View Post
    You meant attempts on my part... ma bad...
    I contacted them and told them, they should have told me before sending this account to collection agency. They stated that they have sent me letter advising me of the amount remaining. I never got a letter and they dont have a proof. When i asked for final letter showing any credit or owed balance, they made up a letter and faxed it to me.
    This 'made up' letter was completely different than the original one i got and was tailored to match their demands and show an outstanding balance, after such long period of time.
    they didn't have to attempt to collect themselves nor notify you of the debt. Some places hire all billing and collections out to a collection agency, that is just how they do business.


    When i asked for final letter showing any credit or owed balance, they made up a letter and faxed it to me.
    and what do you think they would have done before a first letter was made? They would make up a letter and fax it to you.


    I'm not sure what you are after. In your first post, you implied the fact it was reported to the CRA was the problem and now you are saying the fact they are trying to collect a debt you don't believe you owe is the problem. They are two different although related problems.

    So, since you have the letter stating you had a $0 balance that you got 30 days after you left the apartment, what did the apartment management say when you showed it to them.

    as to the CRA, copy the letter and send it to each CRA that shows a debt and request they correct your CR to show the correct balance and to remove any negative reports and remarks concerning the false debt.

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