Legal Question in Credit and Debt Law in New York
Derogatory Credit Information
A national telephone company kept billing me for approximately 1 year after I closed my account (2001). After discovering the account was still open I called the telephone company to have them correct & close the account. Another year later, I found the billing error was sent to a collection agency, for the amount of $500.00. I notified the telephone company again and they assured me that it would be removed. I pulled my credit report in April 2004, after being denied credit, and discovered dergatory details in reference to the same phone bill, and immediately notified the telephone company, collection agency and FCC. May 2004 I was sent a letter from the telephone company that the dergatory information would be remove in 30-90 days. In the meantime, I cannot get credit for a student loan. Can I sue the telephone company?
1 Answer from Attorneys
Re: Derogatory Credit Information
You can make a case for disparagement of credit, mental anguish and pecuniary loss if you have the damages to back it up. You have to provide notice to the phone company...prove the account was closed...do everything in writing...certified mail....
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