Falsely Reported Delinquency to credit reporting agencies

Verizon FIOS has Falsely Reported Delinquency to credit reporting Agencies and now sending demand notices from collection agencies for a payment that is not due.
When I call to customer services they divert the call to Accounts department, then accounts department says no payment is due and transfer the call to credit reporting department , they say that not payment is pending but keep on sending demand notice from Enhanced Recovery Company for an amount which is not due to me. Verizon Fios has spoiled my credit history and harassing me for a payment that is not due in their books.
How to resolve this problem?

Hi InnocentSuffer,
Sorry you are having difficulty. An agent with access to your account will reach out to you directly by email, private message in the Forums and/or the billing telephone number on your Verizon account for more information or to help you resolve your issue.

Similar Messages

Erroneous, derogatory credit report

I have been a longstanding, loyal, and very consistent Verizon Wireless customer for over 10 years. In all the years I have been a Verizon Wireless customer, I have ALWAYS paid my bill on time, every month. In early 2011, I went through a divorce & released my ex-husband's line. A couple of months later, I added a line for my son but I did not sign a contract for the new phone number. I kept the new line (my son's) for over one year, but because for most of that year, the phone was not even used, I cancelled it around 2/2012 because I combined my account with my current husband's account, who has also been with Verizon Wireless for more than 10 years. The reason I cancelled my son's line was because my husband's account has 4 lines, and the maximum number of lines on a Family Share Plan was 5 at the time we combined accounts. Additionally, since my son hadn't used his phone in about 4+ months prior to the combining of accounts, it only made the best financial sense to cancel this line since it wasn't being used anyway. Verizon even credited me one month's worth of charges (because that was as far back as the representative was allowed to credit) because she could see he never used his phone. I thought I had a productive, good-standing relationship until October, 2012 when I received a bill for $68 from CONVERGENT COLLECTION AGENCY!!! Needless to say, I was appalled! From the time I got the new line until the time I cancelled the line, my monthly payment was always current and paid in full. Immediately, I picked up the phone & called Verizon, who said it was out of their hands, and that I should contact the credit agency to pay the bill. I then immediately contacted Convergent Collection Agency and paid the accused debt amounting to $80.90 (including the collection agency fee). Knowing these charges were erroneous, I waited for the debt to be "cleared up" on Verizon's side, I waited nearly 30 days, then contacted Verizon again in order to clear my name/accounts. After explaining this long & drawn out scenario, a very kind Verizon Wireless representative stated they would submit this account to be cleared of any wrongdoing on my part, & would even process a refund for me for the $60-some odd dollar outstanding balance which was turned in to the collection agency. I explained that I paid $80.90, and asked to have the entire amount credited back or refunded to me. I have yet to receive a refund, which is of zero importance compared to the derogatory reports against my otherwise perfect, 15 year credit history.
The point I am trying to make is that I NEED VERIZON WIRELESS TO REMOVE THE DEROGATORY REPORT FROM MY OTHERWISE PRISTINE CREDIT HISTORY. I have been a loyal Verizon Wireless customer for over 10 years and have no plans to change my service provider in the near future, unless I continue to be unsuccessful at getting this one single negative report deleted off of my credit. I have been told by a Verizon representative that is impossible to remove derogatory reports from a credit report, which is UNTRUE! I know if a company has the ability to report good standing history as well as negative history, they also have the ability to REMOVE negative information. This negative report does NOT represent my personal values of paying my monthly bills as well as paying them ON TIME, as well as being a responsible adult, in general. I do not feel as if I should suffer the repercussions of this ONE negative & most certainly erroneous report if I was not the source of the problem. I feel the blame is on Verizon because someone there did not check to ensure the bill was sent to the correct address....I received a bill every month for my main account, so why wasn't it caught that my son's bill was sent to my old address (of my ex-husband, who deliberately did not give me my mail). Another reason I am upset about this is because Verizon NEVER made an attempt to call me about the past due balance. The line was tied to my phone number, which I have had since day 1 with Verizon (and have never changed this number). I feel as if Verizon did not do their part to notify me of this bill, and found it easiest to turn me in to the credit bureau, without caring how someone's lack of attention and abundance of laziness would adversely affect my credit.
I have tried to contact a supervisor at Verizon regarding this issue, but was told there was no one available. This is unacceptable to me, as I was lied to again. I don't feel as if I should continue paying money to a company who does not care about its customers or how they are treated by it's employees. Money is NOT the issue; a $60-something balance would have been easily and immediately taken care of, as I am easily making current monthly payments of over $340. If Verizon does not have a solution for me IMMEDIATELY, then I will be happy to take my money every month to another wireless company who will treat it's customers like they are a real person.
Please feel free to have no less than a manager, supervisor, or better yet, a regional supervisor to contact me at ANY TIME.

This is a peer to peer forum. no managers etc. here just customers and occasionally a verizon employee comes by to assist.
Verizon like banks and credit card companies may or may not post your payment history to the three credit bureaus
If they post a delinquent account to the bureaus you can under the Fair Debt Collections Act write a letter and dispute the charge or amount they claim you owe.
Please note because the invoice was overlooked and not paid does not mean you were responsible for the payment of that invoice.
You can also call the credit bureaus to dispute the validity of the collection company and verizon but it was posted as a correct entry on your credit report. Factual reports stay on for 7 years. if you write the letter of dispute or circumstances it to will be there for potential credit grantors to view.
That is all that can be done. However there are federal and state laws that state credit bureaus can be sued in court if what they post is not accurate but truthful entries are going to stay.

Getting letters for items that have been removed from my credit report

I have gotten several credit cards in the past month as I have been working on rebuilding my credit. Over the past few weeks I have been receiving letters from collection agencies for items that have been removed from my credit report. Has anyone else had this issue? Should I just throw this stuff away since it's not longer being reported on my credit report and the collections are so old they've been removed from the report? I am freaking out a bit. Any advice is welcome.

wonderwoman1970 wrote:
They were removed because they are over 8 years old.They can still try to collect, they just cannot place it on your reports. If its also beyond SOL in your state, you have to option to sent them a Cease Communications letter, charmingly refferred to as a FOAD letter. (Google it to find the meaning of that acronym).They will just sell it to another JDB, who may send you another collection notice. Keep all correspondence regarding this debt in order to keep track of it. You also have the option to settle it for a small percentage - I would suggest offering no more than 5-10% of the original amount (not some inflated "new balance"), and in your offer letter refer to it as "old, time barred debt, that is not a current financial obligation" but that you are willing to settle only to close out the account.

Collection/Credit Reporting Agency

I have made several attempts to contact verizon wireless regarding an account that was put in collections, even though I have been making payments on it. When I finally reached a representative, I was told that they could not remove the collection from my credit report. I never received notification that the account was going to go into collections, and have made large payments very recently to rectify this situation. I am willing to pay the account in full for a removal of this credit reporting, but no one from verizon is willing to work with me. I cannot understand how you can be untruthful and say that you CANNOT remove a collection from a credit report.
The follow hasn't been done properly by verizon, so why is this on my credit report??
1. make a formal request for supporting documentation which as per FTC regulations they must provide within 5 days.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
I will be filing a dispute, along with a formal complaint if this issue is not lawfully remedied. I will continue to send letters every day as well. This is extremely unprofessional, especially when someone IS paying on their account.
2. file a formal complaint with the FTC against Verizon and the proxy collection agency and suggest others due the same. The FTC has the most authority to deal with these types of practices.
https://www.ftccomplaintassistant.gov/
I am hereby requesting that a collections agent from Verizon contact me ASAP.

I thought that any time a bill was not paid that a company could use any means lawful to obtain and secure their rightful monies. Most companies wait almost 3 months before sending to collections. You never received any call, email, or postal mail stating that your account was past due?
If I pay a debt owed in collections, it will be removed from my credit report?
Paying a debt owed on your CR does NOT remove the negative mark. It stays on there! The only thing that will change is that the debt will be updated to say “paid in full” or something similar. The DOLA will also change to the date you paid the debt.

Verizon reporting negative information on credit report

Your issue has been escalated to a Verizon agent. Before the agent can begin assisting you, they will need to collect further information from you.
Please go to your profile page for the forum, and look in the middle, right at the top where you will find an area titled "My Support Cases". You can reach your profile page by clicking on your name beside your post, or at the top left of this page underneath the title of the board.
Under “My Support Cases” you will find a link to the private board where you and the agent may exchange information. This should be checked on a frequent basis as the agent may be waiting for information from you before they can proceed with any actions.
To ensure you know when they have responded to you, at the top of your support case there is a drop down menu for support case options. Open that and choose "subscribe".
Please keep all correspondence regarding your issue in the private support portal.

I used to have a Verizon landline and had an excellent pay history with them as I currently do with Verizon Wireless. In 2010 I decided to cancel our landline service in favor of an additional cell phone with that same number. When I did this I received a "Final Bill" from Verizon and paid it as I always did, I also had a Verizon and Direct TV Bundle which meant I pay one bill for both services. After about a year I received a call from Verizon's collection agency in 04/2011 for money I still owed, I told them I paid the final bill. Apparently when you have a bundle with Direct TV some of it is billed ahead and this amount was due. I never received another bill from Verizon for this amount so I never knew. Once I spoke to collection agency I paid the remainder in 5/2011. For that last 4 years Verizon has placed a negative mark on my credit report that shows as "Serious delinquency" when creditors check your credit report. I feel this is extremely unfair and has affected my credit on at least 2-3 occurrences. I do not understand why Verizon can't see this was an honest mistake and remove the negative report. In fact since I paid it off in 05/2011 (right after I found out about it) why did they even report it in the first place in 06/2011? Please help me! I hear it takes 7-7.5 years to remove this from credit. This is so unfair and I have seen that I am not alone from posts on this forum. What can I do to get this removed so it no longer affects my credit rating? Thank you for any assistance.

Erroneous item on credit report from ATT account

I switched from Verizon to ATT. Then I subsequently joined my husband's account. ATT billed us for 1st account and we continually notified ATT. Then ATT had a collections agency contact us. We informed both collection agency and ATT. Our account is fully paid. 3 lines about $200 per month now for 7 months. We are not looking to leave ATT but we have had no luck removing the item from our credit report. The item is erroneous. ATT is literally impossible on this matter. Please do not tell us to call in--we already did dozens of times. Provide one person contact information who will immediately solve this problem.

Once it is sent to collections and on the credit report it is out of ATT hands.
Google how to dispute items on your credit report.
I am assuming your husband did an assumption of liability transferring your number onto his account. That should have been the end of it, so I'm not sure what they did wrong.

Credit report - need clarifications

Hi all,Newbie here, so I just pulled my credit report and below are my closed accounts. The only remaining item i need to pay off is the Midland Funding (in red). All the other accounts has ZERO balance (paid off). So my question are does the CHARGE-OFF status hurting my score, can it be deleted from the report, or do I have to wait for them to be deleted? I appreciate for any advice. Current Score: 624  Closed Accounts Account Name Account Number     Date Opened   Balance   Date Reported Past Due    Status Credit    Limit BANK OF AMERICA, N.A
   10/04/2007 $0    11/30/2012                        PAYS AS AGREED CAPITAL ONE / BEST B
   10/31/2000 $0     12/11/2013 CHARGE-OFF $1,800 CHASE BANK USA, NA
   07/18/2006 $0     01/18/2012                       CHARGE-OFF $2,500 CHASE BANK USA, NA
                                                          04/01/2001 $0    05/01/2011                        CHARGE-OFF $2,100 CHASE BANK USA, NA
                                                          02/01/2000 $0    03/01/2011                        CHARGE-OFF $1,700 MIDLAND FUNDING LLC
                                                          05/14/2012 $1,504           07/14/2015        $1,504 COLLECTION ACCOUNT PORTFOLIO RECOVERY A
02/28/2011 $0                    05/20/2014                      COLLECTION ACCOUNT SPRINGLEAF FIN SRVCS
                                                           05/01/2006 $0 02/01/2010    PAYS AS AGREED $3,200 SYNCB/CARE CREDIT
   06/01/2008 $0                    05/01/2011                      CHARGE-OFF $4,500
VERIZON WIRELESS/SOU
   12/27/2008 $0 06/30/2014    COLLECTION ACCOUNT

A reported charge-off becomes excluded no later than 7 years plus 180 days from the reported DOFD.To get it removed from your credit report earlier than its exclusion date will require obtaining a voluntary deletion by the creditor. Regarding the charge-offs that are showing $0 balance, an OC account must update to $0 if either the debt is paid OR they sell the delinquent debt.Thus, it is unclear as to whether the CO accounts showing $0 have actually been paid......?

Credit Reporting....Separte bills for one account?

I have been contacted by multiple collection agencies regarding a $27 dollar verizon charge that I have no previous record of. I recieved the first collection notice in May 2011 (Recievables Performance Management, LLC). The account number in question did not match my Verizon account so I requested debt validation from the agency (certified letter) and email and never recieved a response. I also contacted Verizon customer service at this same time asking for validation and the rep informed me that once the account is sent to collections, I would have to work through them for validation. The agency then sold the account to another agency (CBE Group) in June of 2011. I again said that the account number did not match my verizon number (the last number in the account was different) and formally requested data validation via certified mail and email and no response was given. I contacted CBE to follow-up on this and they now deny having any record of this collection in their system.
I am attempting to purchase a home and this issue is appearing on my credit report and severly damaging my score. I spoke to a verizon rept last night and she indicated that this $27 charge was a balance transfer from my intial activiation and that the different account numbers were actually the same account and the different numbers at the end represented different levels of the one account. She said this numbering of accounts should have been apparent to me and that the differnt numbers should not have been a concern. She said bills for the $27 were sent to me but when she listed the address it was a very old address. She said I should have updated my address. However, I did update my address as evidenced by the fact that my regular monthly bills for my service charges were being sent to the correct address. She also asked why I didn't pay the bill the first time I contacted Verizon in May--I was never given the option.   (As an aside, after I expressed sincere concern and extreme frustration about my ability to purchase my first home due to Verizon's billing practices, she asked me if I was interested in adding any additional lines or services, which I found a bit disturbing and contrary to common sense given the context of my call.)
If this is one account why did the $27 never show up on my regular bill or on my account when I accessed it online? If I have one account, why was I billed for different charges to different addresses?   I was paying my regular verizon bill each month, so how could I have known there was a separate bill going to an old address? When I activated my new phone I did it at the verizon store and the representative indicated that I had paid in full but this $27 dollar fee shows up months later via collections?
Out of frustration, I paid the $27 balance to Verizon yesterday to have the debt pulled back from collections and to change the status on my credit report to paid-- mortgages will not be processed within open disputes.   However, Verizon refuses to remove a credit entry once it is made.   I can't believe Verizon is willing to destroy my credit and my ability to secure a mortgage over this issue. I also am frustrated that Verizon says I have one account with them but when it comes to billing I miraculously have 2.   I have had no luck with Verizon customer service or contacting them via email so I am putting this here.   This has been the absolute worst experience with a company I have ever had....I want to terminate my contract but am afraid of what kind of unfair billing from Verizon would be next.

ShoyebAnsari wrote:
I sent an email to "[email protected]". I elaborated the entire problem with the date and time of recharge. I got reply within a day. If the problem is due to auto recharge, Skype team will definitely look into and provide full support. Though they returned my unauthorized transactions, the transaction is still not reflected in my CC statement. They told it will appear after 5-6 working day... Still 2 days to go. Lets see... Hope this reply would be helpful to you.
that email address is indeed correct. Yet, it is more advisable to use their webform as such will usually results to faster responses.
CONTACT SKYPE CUSTOMER SERVICE   |  HOW TO RECORD SKYPE VIDEO CALLS  | HOW TO HANDLE SUPICIOUS CALLS AND MESSAGES   |  WINDOWS PROBLEMS TROUBLESHOOTING   |  SKYPE DOWNLOAD LINKS
MORE TIPS, TRICKS AND UPDATES AT
skypefordummies.blogspot.com

Paid off defaulted student loan - credit report wrong

Hi Everyone, I posted this in the studen loan section but didnt get a response so trying here - Long stort short I had a studnet loan (perkins) that I believe I paid off 12 years ago come back on my credit report as defaulted. It was for $2000 and I paid it off again in May. My credit report was not updated so I desputed the listing and the dispute came back today as the following listing: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusPaidPayment Status DetailsPaid, was a collection account, insurance claim or government claim or was terminated for defaultStatus Updated07/01/2015
Payment History:
2015
JUL
C
Account History:
Collection as of Jul 2015 This is how it was reported before: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Payment History It has C entries in June '12 and '13 (like what was just added to my new report). So now it is being reported as a collection as of July 2015, when it should now read OK right? By paying this off my score droped from 702 to 652 since it shows as a late collection this month. This loan went in to default in 2002, paid in full in May 2015. Shouldnt it show when it went to collection then show when it was paid? I really would appreciate the help, this has been a nightmare for me as I have called and written the ES Dept of Ed and the omsbudsman before despuiting and got no help. So I disputed and got dinged by 50 pts for paying off the loan! What should I do next?? Thanks, Im bummed out since this is the only negative i have and it just got worse. Advise please!?! Thanks!

Hi OP, I removed the posting in SLs. A topic should only be posted in one forum please refrain from this in the future. I thank you for your understanding. If you think you might get a response in a better forum you can PM any mod and ask that it me looked into for a possible move or use the report inappropriate content line under topic options to notify a mod.

Paid off defaulted Perkins loan - credit report wrong

Hi Everyone,  Long stort short I had a loan that I believe I paid off 12 years ago come back on my credit report as defaulted. It was for $2000 and I paid it off again in May. My credit report was not updated so I desputed the listing and the dispute came back today as the following listing: U S DEPT OF ED/GSL/ATL  Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusPaidPayment Status DetailsPaid, was a collection account, insurance claim or government claim or was terminated for defaultStatus Updated07/01/2015
Payment History:
2015
JUL
C
Account History:
Collection as of Jul 2015   So now it is being reported as a collection as of July 2015, when it should now read OK right? By paying this off my score droped from 702 to 652 since it shows as a late collection this month. This loan went in to default in 2002, paid in full in May 2015. Shouldnt it show when it went to collection then show when it was paid?  I really would appreciate the help, this has been a nightmare for me as I have called and written the ES Dept of Ed and the omsbudsman before despuiting and got no help. So I disputed and got dinged by 50 pts for paying off the loan! What should I do next?? Thanks, Im bummed out since this is the only negative i have and it just got worse.

This is how it was reported before: U S DEPT OF ED/GSL/ATL  Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Payment History It has two fail to pay entries in June 12 and 13

I recently got very ill and a late payment of $226 got reported to the credit bureaus...

I had perfect credit before this and paid the amount immediately once I realized what was going on. Can this be removed? I will make the next 6 months of payments or start automatic withdrawal to show good faith. It wasn't a matter of money, my world was just tipped upside down from the diagnosis and I will do anything to fix it. I'm willing to prove it with medical records or do whatever it takes. I've been a Verizon customer for over a decade and have always been so happy with service. I would never ruin my credit for $226. HELP please.

From the POV of a former collector I can tell you that this will remain for 7 years. Obviously when payment is made in full the report will show paid off, but the record remains. I won't get into all the promises made by collectors to get you to pay a bill in full and fast, since commission and goals and getting the client their money are of their utmost priority. I have yet had a story told that reversed a collections report since first that story has to go to deaf ears of the collector and then to the company owed, who wants their money. My companies wanted their money and were responsible for filing the report. I only had to get the money. Your only appeal would be directly to Verizon, but it would be at their mercy if it has yet to be reported to any credit bureau. The law would not help you much here as the payment was late. Usually though, Verizon, at least I do not think, reports immediately after 1 month being missed. Generally potential charge-off accounts are reported after 3 months delinquency. So, again, the law wouldn't help much there considering how much time and notice were given, if that was the case.

My discharged hospital debt is showing as a derogatory account on husband's credit report

I filed for a chapter 7 personal bankruptcy in VA in June 2011. I had a hospital bill for $227.42 that in collections and was discharged in the bankruptcy. In December 2012, Focused Recovery Solutions, Inc. sent my husband a bill. He was not listed as the responsible party at the hospital, we had seperate insurance policies, and he was only listed on hospital records as my spouse. I sent the collection agency a copy of my bankruptcy discharge papers but they replied that my husband is responsible for the bills I incurred based on Virginia law's of Doctrine of Necessaries. (see exerpt below) On the dates of service I had elective physical therapy and did not receive any medically necessary or emergency care. We paid the bill in full but now it is showing on his credit report until as a West Asset Management derogatory account that has been paid but it's putting a dent in his credit rating. Is there anything we can do to get this off of his credit report? We would greatly appreciate any help or advice. Letter to my husband from collection agency, 2/4/13...Based on our investigation of your dispute, it is our position we have identified you as the correct consumer for this account. The charges incurred on the above referenced service dates were rendered to your spouse, or else your spouse signed as the responsible party for services rendered to someone else. Although your spouse filed for bankruptcy relief, you did not. Under Virginia law's Doctrine of Necessaries (VA Code 20-61 (Michie 1999)) you are therefore responsible for the balance due. ...

I have no advice but ugh I'm sorry that's a terrible situation...my husband filed BK and I did not...I'd fly off the handles if I got stuck with his bill! I hope someone has some good advice for you. Good Luck!

Customer Aging Report to Include Credit Memos

Hi,
I need a customer aging report that will also include credit memos. This is not available with the system report, but when I write a query it will not reference the customer's account but only the documents in the system. How do I create an A/R aging report that includes credit memos off of the account balance?
Thanks!
Emily

Hi, Emily,
I have made such a Crystal report; actually I have 2 versions;
one is purely made in Crystal report: if your credit memos are copied from AR Invoice totally.
another is made with stored procedure and Crystal report, that includes AR Invoice Credit memo, and internal reconciliation.
Which one you need?
Suppose you need the former one, it's easier: just link tables: OINV - INV1 - RIN1;
The join keys: OINV to INV1 is 'Docentry'; INV1 to RIN1 is "inv1.docentry = rin1.baseentry and inv1.linenum = rin1.baseline". and also "Rin1.basetype = '13' and inv1.targettype = '14'.
Hope this helps.
~Michelle

Fico Credit report?

I didn't know where to post this, so I just will post it here. On myfico credit report it lists an account that was included in my bankruptcy , it has under status the -last activity "September 2008" so does that mean from that date forward it starts towards the date that account should fall off?

Welcome to My fico Whats on file at the CRA is what the creditors are going to see, 3rd party puller errors are the norm for the industry. To have your BK only showing on one CRA is a great plus for you doesnt happen that way very often. I dont recommend disputing anything online and believe it should always be done by mail with a letter but since you have already done so its no biggie just dont open more than 1 dispute at a time or they get to add 15 days more to the normal 30 days time to investigate.

REport: Lines on credit hold ? what is purpose of this report

Hi All,
I couldnt find much information about this report Lines On
credit hold.I was having question ,is it possible to place
cerdit hold on lines? Because as per my knowlage credit hold is
order level hold not line level and looks like this report picks
up lines on credit hold ,hows is possible.I was confuse.If any
one has idea about it,pls let me know.
regads

I am not sure what this question relates to - it might be an
Oracle Order Management question.
Hi All,
I couldnt find much information about this report Lines On
credit hold.I was having question ,is it possible to place
cerdit hold on lines? Because as per my knowlage credit hold is
order level hold not line level and looks like this report picks
up lines on credit hold ,hows is possible.I was confuse.If any
one has idea about it,pls let me know.
regads

Falsely Reported Delinquency to credit reporting agencies

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