Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
SKnudsenJr

0 Contributions
0 People Helped
Collections that isn't mine, company closed, how do I dispute?
I'm cleaning up my credit report in anticipation of moving out and getting a new car, so I pulled my Trans Union report and found a collections account for medical lab work that isn't mine. I sent a dispute letter to the company directly, but I received it back mail return. I looked into the company and verified that the company has since closed, and when I call the lab company they have no record of any owed balance in my name. They did not place the debt on my report, the 3rd party collections agency did. Am I to understand that I can send a dispute letter to TU and the other 2 reporting agencies, if they placed it there as well, and it will be removed once they do not receive a response from the collections agency that is now closed? The lab company did not send me any documents to verify they have no record of my debt, do I need to request something from them or can I forward my mail-returned dispute letter with proof the company is closed to remove it? The BBB page for the collections company stated that they are in fact closed and that they did not transfer their open accounts back to the original creditors. Any help would be appreciated, I'd like to have letters sent to the credit bureau's within the next week to get the ball rolling.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.