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frdiaz

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Collection account
I have a collection account, have offered to pay it off completely if they remove it from the credit bureaus, they refuse to cooperate. what other options do i have besides going to the state attorney generals office?

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They are not legally obligated to remove it even if you pay it. They are only obligated by law to mark it as paid if you pay it. If they are doing something illegal that violates the FDCPA then you may want to contact a consumer law attorney. If they are reporting incorrect information to the credit bureaus you could dispute that. Can they verify that they in fact own the debt? How old is the original debt, credit reporting for most collections has to end 7 years after the initial missed payment that led to default. Also depending on the age of the debt, if it is fairly new, they may be able to sue you in court for it. You should check the statute of limitations in your state before you go pushing the issue as it could end up in you being sued and a judgement placed on your credit reports.

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