Debt is cleared, but another agency put it back on credit

by Lisa
(Temecula, CA)

I received a letter from a collection agency about an old account that I inquired about. The letter stated that the amount was paid and will be removed from my credit report. When I received my credit report that item was there, but with another credit agency. What can I do in this case?

Comments for Debt is cleared, but another agency put it back on credit

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Mar 19, 2010
debt removed, back on report
by: Gerri


Thanks for submitting your debt collection question on our Q&A page.

You can dispute that listing, both with the credit reporting agency as well the collection agency that is reporting it. Keep a copy of your letters/disputes as well as a copy of your credit reports. If the item is not removed, I would suggest you next contact a consumer law attorney.

The coauthor of the California edition of our book, Robert Brennan, has expertise in both credit report and debt collection cases. You can contact him through his website:

Do let us know how this turns out!

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