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Question By
dabutchman

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reporting error
alleged creditor submitted invoice to a collection agency WITHOUT submitting for payment from insurance company. Equifax and transunion don't provide a space for explanation in disputing erroneous hits to our credit scores. Also, they have me down as having a mortgage, which I don't.

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Top Contributor
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How is that an error? The debt was send to collection and it reported as such. The debt was incurred and collection do exist, correct? ... Credit Bureaus are not an arbitrators of your debt, they can not decide if that debt should or should not gone to collection, thats between you and your creditors/insurance/debt collectors, even if its removed from your reports, that debt dose not go away, you still are responsible for that debt... However, you are of course feel free to dispute, it might be easier to do it on the phone, as you can explain your side in detail.

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Do you actually see that mortgage account on your credit reports?

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