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The last post in this topic was posted 4550 days ago. 

 

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Posted

I received an alert that a new collection had appeared on my credit report on the 10/16. It was for a moving violation I received in 9/2011. I set up payments through the court, but somehow I missed the last payment. They tacked on a $300 service charge and said my license was not suspended, but they could not reissue a duplicate until the fines were paid and I had until 1/2015. Then in 9/2013 I received a notice from the CA Franchise Tax Board that my wages would be attached if it was not paid by the 9/17/2013. So I paid the courts directly (in full) and received a receipt. Then on 10/16/13, the collection appeared. It is listed with Alliance One being the CA with a status of paid. I never received any kind of dunning letter, phone call or any other type of communication from Alliance One since I set up the payments in 2011. In fact, when I received the notice from the FTB, I called Alliance One to pay it and they said they couldn't accept it, that I had to pay the court directly.

 

My question is, would the best route be to 1-2 punch Alliance One, or dispute with the CRA first and then send a letter to Alliance if it's verified. I have done both and it seems to me that the 1-2 punch had faster results with less steps, but I'm not entirely sure that's the correct procedure in this instance. Can anyone weigh in on the situation?

 

 

Thanks!


Posted

You paid the fine in full including the service charge directly to the courts right! The CA should not be reporting at all. I would send a copy of the paid fine along with a warning of intent to file a lawsuit for false representations of a debt if the negative reporting isn't removed immediately. If they don't, get a FDCPA consumer atttorney to review your compaint to see if they will file a lawsuit on your behalf pro bono

Posted

You paid the fine in full including the service charge directly to the courts right! The CA should not be reporting at all. I would send a copy of the paid fine along with a warning of intent to file a lawsuit for false representations of a debt if the negative reporting isn't removed immediately. If they don't, get a FDCPA consumer atttorney to review your compaint to see if they will file a lawsuit on your behalf pro bono

Yes, I paid the whole debt to the court. The letter would go to Alliance One, correct?

Posted

 

You paid the fine in full including the service charge directly to the courts right! The CA should not be reporting at all. I would send a copy of the paid fine along with a warning of intent to file a lawsuit for false representations of a debt if the negative reporting isn't removed immediately. If they don't, get a FDCPA consumer atttorney to review your compaint to see if they will file a lawsuit on your behalf pro bono

Yes, I paid the whole debt to the court. The letter would go to Alliance One, correct?

 

Yes CCRM.

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