Legal Question in Credit and Debt Law in Florida

About a year ago, my husband and I disputed some move-out charges from our apartment complex. Before they were settled, they moved out case into a collection agency. The agency of course started with their harassing emails, and hung up on my husband 5 times when he tried to tell them we were disputing it and handling things directly through the complex. Well, the $650 in charges we were disputing were almost entirely dropped by the complex- we settled on a $50 cleaning fee that we paid directly to the complex. Apparently, someone never contacted the collection's agency to tell them the debt was paid. So, the collection agency, without EVER contacting us, has placed a derogatory report for $53 on our credit reports. We went to the complex and she has contacted them to get them to fix the situation and remove the incorrect derogatory account. How long should I give them to do this? Can I sue them for placing this derogatory account on our credit when the debt doesn't exist and they haven't contacted us in almost a year (when they originally contacted us and hung up on my husband to keep him from disputing)?


Asked on 7/06/12, 8:13 pm

1 Answer from Attorneys
Angelo Marino Angelo Marino Jr. PA

See my website on writing a letter to the credit agencies in the sample forms section. Make sure you follow the details exactly and keep copies. The credit agency has 30 days to correct it. Most of the time they will not do so the first time so you need to send a second letter. If that does not work, contact me or someone who does FCRA cases. See www.ConsumerLawyerHelp.com

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Answered on 7/07/12, 5:37 am


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