ConfusedCreditGirl, I just went through something similar with Rogers, where an account had been opened in my name in 2004 and I was not aware of it until last year when I tried to apply for a mortgage.

I tried to deal with CBCL, the collection agency who had the debt at the time and was reporting on my credit report and go no where with them. I also tried to call Rogers and explain the situation to them and got no where the first 2-3 times.

Then I finally got someone who created a fraud case and sent the account off for review, they never got in touch with me like I was advised they would and I had to call them back. But when I did get in touch with them, they did inform me it was opened in fraud and that they forwarded this information to CBCL.

So I don't know if contacting Telus and asking them to open a fraud investigation would do you any good, but it worked for me with Rogers.

" Chasam here is what i have done in your situation and its worked for me. Since you have copies of your previous reports stating the date of last activity being in 2001 all you need to do is make a copy of the old report circle the date of last activity and copy the new report where the collection company has changed the date. Mail it or fax it to Equifax do not call them because you can't prove anything to them via phone they don't have access to your old credit reports. I had the SAME problem and equifax promptly adjusted the date of last activity on the collection account. In your case it should be removed. Make sure you include a letter stating its illegal for the collection company to change the date of last activity. "

>> Update:

I just wanted say that this worked. I mailed a copy of my old Equifax report and a copy of my new report highlighting the differences is reporting dates, along with a friendly letter requesting them to remove it as it was illegal for the collection agency to place false information on the report.

I did not hear back from Equifax, but the collection account is now gone from my report.

Thank you so much Krishka!

Chasem

ConfusedCreditGirl
It's possible that the record is duplicate..
It looks as if one collection agency (CBV) has purchased the debt from Metropolitan ..

I hate this... first off... look on your Telus contract to see if you allowed them to assign the debt to a third party... if not... IMO... you don't owe the collection agency money.

Here's why... you didn't create a debt with the collection agency.. so you owe them NO MONEY..

Unless you agreed for telus to be able to sell the debt or assign it to a third party, these collection agencies shouldn't be disclosing your information to the credit bureau. It's not their contractual right to do so.
This is also backed up by the PIPEDA.. http://www.privcom.gc.ca

The problem is... the collection agencies disclose your information to the credit bureau electronically... and it's a real pain for you to get rid of.

What does your contract with telus say about this.?
If you don't have it... then please request it from them.

If they don't have a copy of the contract ... that would be another reason why this shouldn't be reported to the credit bureaus.

Chasam here is what i have done in your situation and its worked for me. Since you have copies of your previous reports stating the date of last activity being in 2001 all you need to do is make a copy of the old report circle the date of last activity and copy the new report where the collection company has changed the date. Mail it or fax it to Equifax do not call them because you can't prove anything to them via phone they don't have access to your old credit reports. I had the SAME problem and equifax promptly adjusted the date of last activity on the collection account. In your case it should be removed. Make sure you include a letter stating its illegal for the collection company to change the date of last activity.

I recommend everyone who reads this to systematically get your credit report EVERY year so you have proof if something changes. As your debt reaches the 6yr mark these collection companies trade of to each other and try to change the date of last activity. This year all the bad marks on my credit report are set to be deleted and now i'm seeing these collection agencies trading off with each other, what i have done is subscribed to the 11.95 a month credit monitoring from equifax so any changes to my report i am automatically informed of small price to pay to keep the collection agencies away :-)

CC Girl, this is the way I see it.

The collect agencies don't give a rat's butt about anything other than collecting money from you. If you don't want to pay or negotiate, they won't do anything you request them to do.

Equifax won't give a rat's butt either. I've tried hard to reason with them, but they keep pushing me back to American Express, who then pushes me to the collection agency.

The way I see is that you have two options.

1. Let it be and wait for the SOL to expire on the collection account and wait 6 years for it to come off your report.

2. Contact a lawyer and file a lawsuit for defamation if you truly believe you do not owe that amount or like my case, the information posted was incorrect.

Option 2 can cost a bit and you may not be able to recoup your costs, but at least you'll know something can be done instead of just waiting your head off. This is the route I am taking.

The lady form Equifax said they won't do anything until I can provide in writing from CBV that it isn't mine. and I have to do this for both to get them removed but Telus isn't sending me any information because they can't verify the account is mine and they don't have a public relations or ombudsman.

Ok I need the following questions answered please,

In July of 2008 I ordered a credit report nothing was listed. Tonight I ordered a new one and this is what is listed under collections

012394437 CBV ACQUIRED WIRELESS

Date Assigned:

2008-12

Account Number:

0XXXXXXXX1

Collection Agency: CBV COLLECTION SERV Reason:

Amount: $2,013.00 BalanceAmount: $3,125.00

Date of Last Payment: 2006-10 Date Paid:

Date Verified:

Comments:

TELUS MOBILITY INC

Date Assigned:

2006-12

Account Number:

6XXXXXX2

Collection Agency: METROPOLITAIN CR ADJ Reason:

Amount: $2,012.00 BalanceAmount: $2,054.00

Date of Last Payment: 2006-09 Date Paid:

Date Verified:

Comments:

It is the exact same debt. One is from Telus the creditor the second is from CBV the collections company

so here are my questions;

why can they put the same debt on the report twice?

Why is there different amounts and assignment dates?

Why is the date of activity two different months?

If I send them the registered letter disputing this how long do they have to respond?

What proof do they have to come up with?

If they don't have any proof then what can I do?

PS. This is NOT my account, there is no agreement in existance! So how do they prove it's mine.

Telus should be able to give you the information you need. If customer service doesn’t give you the information you need; ask for a supervisor or find out if they have a public relations or ombudsman department.

Telus is the Creditory CBV is the collections company

Who is the creditor?