Posted on
July 15, 2009
at
11:55 am
In 2005, Sprint placed me in collections on their mistake. They sent me a letter apologizing and the letter they sent to the big 3 credit agencies said that I should be out of collections, but did NOT state that it was their mistake. So 4 years later, it still sits on my credit ratings, not helping with interest rates, loans, etc. I've gone through hours of phone service with them trying to resolve but basically have been told they did their part. I've thought about suing for defamation of character and also for marring my credit which has obviously affected loans, etc. Would I even have a chance? One of my friends (who happens to be an attorney) says that most big corporations have law teams and that they would probably just settle since my settlement would cost less then the time of the law team.
Posted on
July 15, 2009
at
1:01 pm
It is relatively impossible to guess if you would win such a case or not. But it sounds like your account is still with a collection agency or what?
Posted on
July 16, 2009
at
4:46 am
No, Sprint pulled it from the collection agency, but it's still on all three of my credit reports.
Posted on
July 16, 2009
at
8:22 am
What exactly shows up on your credit report- that the account exists or that it is currently past due?
Posted on
July 16, 2009
at
5:24 pm
Shows that I WAS in collections and my debt was settled. It shouldn't show anything at all since I was accidentally placed in collections by Sprint.
Posted on
July 24, 2009
at
9:01 pm
If you still have the letter then you are in good shape.I would send a dispute letter to the credit reporting agencies. Explain the situation and that this item needs to be removed from your report, send them a copy of the letter. First, have Sprint send you a copy of the debt. You have a right to this in writing, if they fail to do this within 30 days the credit reporting agencies must drop the item. Then, send a copy of the dispute letter to Sprint. Let Sprint know that if they do not remove the item from your credit report within 30 days that you will sue them under Federal law, which clearly states that a company or debt collector can not put false information in your credit report. If they still refuse, then consult an attorney, you will be entitled to at least $1000 from Sprint, and any attorney fees. I wish I had your problem, I bet this really isnt hurting your FICO score at all!
