Collection Agencies - Paid debt never reported to credit bureaus - Canada

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RE: Paid debt never reported to credit bureaus

Postby DanielBl » Thu Jun 21, 2012 07:23:39 PM

Unfortunately, there's no quick answer when quagmires like this ensue. If you saw the people who work at collection agencies, you'd know why.

To make matters worse, bureau personnel are instructed to perform only mock investigations in response to consumer complaints. For one reason, it costs too much to do actual ones. For another, most consumer complaints involve lies or errors. Why waste the money? Thirdly, consumers are only a nuisance to them. They are not there to serve you; they are there to serve their high paying collection agency members. That's why the bureaus invariably come back with a boilerplate "confirmed (as true) by investigation" response."

I've seen people walk into bureau offices with original account statements and supervisory staff refused to do anything. Even when they actually believed the consumer. Doesn't matter. Bureaus are there to serve lenders and their collection agencies. That's who pays their bills, not consumers.

Since the bureaus won't respond to consumers; you have file a complaint with the pencil pushers over at Consumer Protection on 5775 Yonge Street, Suite 1500. Include all the documentation with your complaint including up to date credit reports.

Sadly, much of the staff there appear lackadaisical, or not even on the consumer 's side - many years of leadership under Brian Pitkin has had its lethargic effect- but if you bug Kavanaugh, Manchester or Amana enough, hopefully they'll get on the bureaus' backs and tell them to fix the problem. You really got to get on their backs - and even then, well.....the stifling inertia is unbelievable. BTW, you have to file separate complaints regarding each bureau..

It's a pain going through CP but otherwise, you're dealing with the Philppenes - and good luck with that.
DanielBl
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RE: Paid debt never reported to credit bureaus

Postby Jinto123 » Thu Jun 21, 2012 06:06:13 PM

Lol. Trust me I was under no impression that it was any kind of professional opinion. I thought it was another member just stating the obvious. Thought I was being polite and also wanted to make it clear that I am not under the impression that my "issue" has anything to do with the actual credit bureaus. I know it is the collection agency(ies). I was hoping someone here might have any advice. Also how to go about fixing this with the credit bureaus.

Thanks for looking out though Daniel! :)
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RE: Paid debt never reported to credit bureaus

Postby DanielBl » Thu Jun 21, 2012 05:55:20 PM

I think you may be under some misimpression as to who responded to your post. "Definemeatall " is no Equifax call-center rep. They don't come on here; they're not allowed to. And even if they did, they wouldn't babble in incoherent sentences. Besides, Equifax has their call centers in the Philippenes. You've been the victim of a prank. Now let me see; who could that be.............?
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RE: Paid debt never reported to credit bureaus

Postby Jinto123 » Thu Jun 21, 2012 05:27:13 PM

Hi definemeatall,

thank you for your reply. It is definitely a problem with the actual collection agencies. After I sent the proof of payment they very quickly emailed me my letter of release which was dated back in October. So for whatever reason, they had not sent it out to me then and also failed to properly enter it in their system as paid, as it had escalated and accumulated even more interest and was also passed on to 2 more agencies to collect. Meanwhile it was paid in full. The bigger problem now is, that the collection agency who reported this to the credit Bureaus is a different agency and will not report it as paid because apparently they had passed along this supposed collections to yet another agency. What I have gather is all together this had been through at least 4 different hands. I had a heck of a time today trying to figure this all out. So how do I get this to appear as paid on my credit file and shouldn't someone be held accountable? If they don't have to report a debt paid and continue to sell the debt that has been paid, how is this not illegal??
Jinto123
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RE: Paid debt never reported to credit bureaus

Postby definemeatall » Thu Jun 21, 2012 03:47:59 PM

hello..

sometimes, the problem with this is with the collection accounts. i do receive a lot of complaints regarding the collection accounts.
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Paid debt never reported to credit bureaus

Postby Jinto123 » Thu Jun 21, 2012 08:24:51 AM

Hi there,

There are 2 debts I have paid dating back from 2010. The most recent was paid October 2012. I recieved a letter of release from the first one but shows as unpaid still on my credit report. the most recent one paid, I was promised a letter of release and never recieved it and is also on my report as unpaid. I contacted the first company today and they assure me they will report at the end of the month. The second Collections agency (the one actually reported on my file) They no longer own the file and don't know who does. After hunting down another "lead" The one that upon looking back on the payment I paid the money to has sent me on a wild goose chase only to end back at them. They are saying the payment was never made and has escelated to a legal department. Whatever that means.

Anyway I just sent them the proof of payment and I am waiting to hear back from them . But is this legal to collect debt and not report? Is there any recourse for this conduct?

I understand it may not be removed entirely from my report. But it is suppose to say paid.
Jinto123
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Joined: Thu Jun 21, 2012 08:13:30 AM
Province: ON


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