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final bill paid - getting calls by collections and affecting my credit

final bill paid - getting calls by collections and affecting my credit

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Contributor abi1
Contributor
Posts: 1
Registered: ‎10-04-2019
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Paid the final bill - actually paid it twice by mistake and have the receipts from my bank but Verizon has sent me to a collection agency, wont talk to me, collection agency is contacting Verizon for me who takes a month to answer - in the meantime my credit rating is down by 100+ points - once they correct this it will take another month or two I suppose for the credit bureaus to fix -  Watch out for Verizon - TERRIBLE customer service

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Moderator Moderator
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Posts: 1,721
Registered: ‎07-06-2016

Hi abi1,

As this is a peer to peer support forum, you will need to contact Verizon directly for assistance. We have sent you a private message with contact information for a dedicated specialist who is able to help resolve your issue.

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Gold Contributor VII
Gold Contributor VII
Posts: 4,858
Registered: ‎10-18-2016

@abi1 wrote:

Paid the final bill - actually paid it twice by mistake and have the receipts from my bank but Verizon has sent me to a collection agency, wont talk to me, collection agency is contacting Verizon for me who takes a month to answer - in the meantime my credit rating is down by 100+ points - once they correct this it will take another month or two I suppose for the credit bureaus to fix -  Watch out for Verizon - TERRIBLE customer service


You must dispute it with the three credit bureaus yourself. They in turn must investigate your claim and if you upload proof to them they will remove it from your report. Don't rely on a collection agency to do this. In fact collection agencies cannot pursue the matter if you send a cease and desist letter with copies showing payment.

 

if after you submit proof to the credit bureau and they have not removed and restored your credit file then see the links below. And that information is here: 


https://www.stopcollections.org/ask-an-attorney/common-fdcpa-violations

 

And if all else fails.

https://www.nolo.com/legal-encyclopedia/if-the-credit-reporting-agency-does-not-correct-your-report-...

 

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