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Question By
uPhilmore

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i disputed a fraudulent cable bill. It was removed from all 3 of my credit reports 1 year ago.
A new collection agency sent this to the credit bureaus. Is this legal? What is my recourse?

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Removal of the item from your credit report has no bearing on the validity of the debt and does not stop the the company from trying to collect the amount.   When you filed the dispute originally, the bureau contacted the first collection agent for validation.  If they failed to respond to the request in a timely manner (30) days, it was automatically removed.    You say the debt is not yours, you need to work with the new credit collection with your substantation why it is not yours so that they cease trying to collect.   You should again file the dispute with the bureaus as you did before to have them removed.  If this collection agent responds with the required proof, it will probably remain.  if they fail to respond, it will again be removed.

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