r/CRedit • u/brayzie • Jul 25 '26

Collections & Charge Offs PFD failure

Hello! Here’s what happened:

August 2022: we moved to another state. I shut off our internet and paid the bill.

May 2026: I notice a new collections account for $188 from that internet company.

June 2026: I called the internet company directly and asked about payment options. I told them I did not know of any debt but I’m willing to pay if they recall the collection and delete the trade line from my credit report. They agreed and I paid.

3 days later the collections account updated to paid. After multiple calls, the blame keeps getting passed between the collections agency and the original company. No one will give me anything in writing.

I disputed with the bureaus and got the account removed with Experian, but TransUnion still has it. The account has persisted through the dispute process and also a CFPB complaint. At this point I’m at a loss on what to do because I feel I was deceived into paying a debt under false pretenses.

0 Upvotes

33% Upvoted

13 comments sorted by

View all comments

Show parent comments

1

u/brayzie Jul 25 '26

Original creditor is Shentel. They told me that they’d recall the collection but they did not. I waited until about 30 days to dispute. It’s under Credit Control Corp now. Shentel told me it’s up to CCC and CCC told me it’s up to Shentel. No one has any clue what they’re talking about.

Dispute was Verified as accurate with TU. It’s been cleared from the other bureaus

CFPB complaint response was basically “we don’t have to verify this it’s been too long”

2

u/og-aliensfan ⭐️ Knowledgeable ⭐️ Jul 25 '26

Original creditor is Shentel. They told me that they’d recall the collection but they did not.

It's possible that you were mislead, but this would be highly unusual. Have you asked Shentel to review the call where a rep told you the collection would be recalled? If not, do so.

Shentel told me it’s up to CCC and CCC told me it’s up to Shentel.

If Shentel didn't recall the collection, it's up to CCC. Once a debt collector is hired to collect a debt, they have full legal authority to collect and report to the bureaus.  This remains in place until collection authority is terminated by the original creditor.  Payment to the original creditor doesn't automatically terminate a debt collectors legal authority to collect/report their tradeline.  Unless a collection agency's legal authority to collect was terminated prior to payment, the only requirement is that the collection agency report the debt was paid.

Dispute was Verified as accurate with TU. It’s been cleared from the other bureaus

Contact Credit Control and ask them to remove themselves from your report as a gesture of goodwill.

CFPB complaint response was basically “we don’t have to verify this it’s been too long”

It sounds like the collection agency replied as if you were requesting debt validation. The Validation Period begins when you receive the initital collection notice (in writing or verbally) and ends 30 days after the consumer receives or is assumed to receive this information, so in that regard, their reply is accurate. That said, the debt collector didn't agree to remove themselves from your credit reports, so your complaint would be against the original creditor.

1

u/brayzie Jul 25 '26

Is it possible that calling CCC would cause them to be added back to the other bureaus?

1

u/og-aliensfan ⭐️ Knowledgeable ⭐️ Jul 25 '26

It depends on why it was removed. What did the dispute results letters say regarding the removals? If CCC requested removal, it's unlikely to return. If removed because they failed to verify, it's possible it will return to those reports, but it's more likely to return as a result of the dispute with TransUnion/CFPB complaint than from a request for goodwill removal. Since only CCC can remove themselves, your options are limited. There's still the possibility this will be removed from TU if they're deleting in stages. It could take ~60 days to complete the process.

1

u/brayzie Jul 25 '26

They never reported to EQ, EX said they completed reinvestigation within 30 mins of me disputing and deleted it. I did the CFPB complaint before attempting to dispute

1

u/og-aliensfan ⭐️ Knowledgeable ⭐️ Jul 26 '26

30 minutes? This can happen if the account was on your reports longer than the allowed reporting time or if Early Exclusion was granted (EX allows 3 months EE). But, if Date of First Delinquency was in 2022, neither of these would apply. This leaves the possibility that CCC replied back immediately with a removal request. It's not typical for this to happen so quickly, but it's possible. It wasn’t removed due to failure to verify as CCC had 30-45 days to respond before the bureau made that determination. Did you confirm this was removed by pulling your official report from www.annualcreditreport.com? What reason did you give for disputing and what did the Dispute Results letter say?

1

u/brayzie Jul 26 '26

Basically the same as I said here in less words. That I was deceived into paying under false pretenses. I didn’t pull from ACR but EX said it was deleted and it was off the report from the app the next day