A junk debt collector reported a medical debt which I paid (through another collection agency in 2007). The collection agency that I paid the debt to - - Quality Asset Recovery (QAR) - - typically gave people a 30-45 day grace period to pay the debt in full or make appropriate payment arrangements in order to avoid the debt being reported to the credit reporting agencies. I made payment arrangements and paid the amount owed as agreed and QAR did not report the debt to the CRAs.
Now, the debt I paid in full as agreed, is in the hands of A DIFFERENT collection agency 5 years later and they have reported the debt to the credit bureaus as if I never paid. Is there anyway I can get the credit bureaus or agency to remove this from my credit report? I called Transunion and they refuse to remove the debt because it went to collections even though the collection agency and I had an agreement, albeit verbal.
Can the credit bureau do this? Can someone recommend a good consumer debt attorney in NJ? I never received notice of a new collection effort and have not received any validation of the debt. I am willing to pay a lawyer at this point. Any advice is appreciated.