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Original Creditor ReAged Old Debt


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??? If this is a medical account it is VERY unlikely that the OC was responsible for "re-aging"

More than likely it is a JDB who obtained your account data from a data miner.

Follow the guides;

https://whychat.me/GUIDEBOOK.html

( opting out helps prevent your data from being SOLD by the CRAs to data miners)

The initial dispute letter

https://whychat.me/hipaadisp.html

from the HIPAA letter program

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

should solve your problem

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3 hours ago, Why Chat said:

??? If this is a medical account it is VERY unlikely that the OC was responsible for "re-aging"

More than likely it is a JDB who obtained your account data from a data miner.

Follow the guides;

https://whychat.me/GUIDEBOOK.html

( opting out helps prevent your data from being SOLD by the CRAs to data miners)

The initial dispute letter

https://whychat.me/hipaadisp.html

from the HIPAA letter program

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

should solve your problem

I don't want to get too into the weeds before getting my paper reports BUT, Credit Karma notified me via email of the collection. I logged into Credit Karma and it listed the original creditor. 

 

Why Chat I so appreciate all that you do. I will post more once I study the hard copy report.

Edited by StarkRaven$
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3 hours ago, Why Chat said:

If this is a medical account it is ILLEGAL for any CRA to display the OC medical provider. Any medical account must be published as coming from a CA. Only the party whose account this is would be notified of the OC medical provider all others would see only "medical".

So sorry for the confusion WhyChat but my VPN was running on my laptop and I couldn't log on to Credit Karma. Via my phone the notification displayed original creditor. After turning off the VPN I was able to log on and it is Allied Collection Serv out of Las Vegas and then it displayed as original creditor.

 

New law in California all debt collectors must be licensed and bonded. I think I'll contact the state insurance commissioner to see if debt buyer is licensed or has applied for a license. However, I read somewhere that they have a year to comply.

 

One more question: Is this the correct # I call to buy a credit report from TU 800-916-8800?

Edited by StarkRaven$
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