My question involves collection proceedings in the State of: PA
In 12/2013 I received a debt-collector notification letter, the original creditor was a utility company I had in the past, I had paid the account (and it had been closed for about 18 months since I no longer lived there) so naturally I wrote a dispute letter to the collector and logged in to the utilities' website printing out screens displaying a $0 balance & payments that were made after the supposed delinquency date. I called two weeks after mailing the letter and they confirmed they had received it and were waiting on a response from their client.
14 months later it's still an open collection account on my report and they've sent me one or two collection letters since. I've called them twice this month and on Friday spoke to a supervisor who told me "Since I claimed I had paid the account, it wasn't in disputed status it was in a payment pending status" so it's not a violation of the FDCPA that they've sent me the collection letters despite not furnishing proof of validity and "they can't stop reporting, close the account, or do anything until they hear from their client".
I feel like the "dispute status" vs "payment pending status" line is BS, but I don't know for sure, and I would assume both that there is some kind of time limit on the post-dispute investigation process and that they are not able to continue reporting if that time limit has been reached without furnishing proof of validity, but I did submit a dispute to Experian about six month's after initiating the dispute with the collector and Experian denied my dispute.
What are my options here, does a time limit on post-dispute investigation exist? Could I go after them for continuing to attempt collection during the investigation, maybe push to get it off my report that way?
In 12/2013 I received a debt-collector notification letter, the original creditor was a utility company I had in the past, I had paid the account (and it had been closed for about 18 months since I no longer lived there) so naturally I wrote a dispute letter to the collector and logged in to the utilities' website printing out screens displaying a $0 balance & payments that were made after the supposed delinquency date. I called two weeks after mailing the letter and they confirmed they had received it and were waiting on a response from their client.
14 months later it's still an open collection account on my report and they've sent me one or two collection letters since. I've called them twice this month and on Friday spoke to a supervisor who told me "Since I claimed I had paid the account, it wasn't in disputed status it was in a payment pending status" so it's not a violation of the FDCPA that they've sent me the collection letters despite not furnishing proof of validity and "they can't stop reporting, close the account, or do anything until they hear from their client".
I feel like the "dispute status" vs "payment pending status" line is BS, but I don't know for sure, and I would assume both that there is some kind of time limit on the post-dispute investigation process and that they are not able to continue reporting if that time limit has been reached without furnishing proof of validity, but I did submit a dispute to Experian about six month's after initiating the dispute with the collector and Experian denied my dispute.
What are my options here, does a time limit on post-dispute investigation exist? Could I go after them for continuing to attempt collection during the investigation, maybe push to get it off my report that way?
Disputing Debts: Long Disputed Collection Account Still Open and Attempting to Collect
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