Legal Question in Credit and Debt Law in Tennessee

Collection from 9 years ago

A collection for $1,195 was just placed on my credit report (from only 1 bureau so far) for a supposed debt from a security system purchased in 1994...the home was sold in 1997 (no payments after that) and it was my understanding at that time it had already been paid for over the 3+ years I owned the house and paid the company each month on time...now this collection has been placed and I was told by the collection agency it may have been put on there by mistake but that it is the credit bureau's responsibility to not put it on my report if it has been too long and that their normal practice is to report all items regardless of how old it is...I have an Equifax 3 in 1 Credit Watch account and am going to be going through them to dispute it...is there anything else I need to do or that I can do ? Can I go after the collection agency itself for this ? How should I handle this to get it off of my credit report ? Thanks very much...


Asked on 11/10/06, 6:12 pm

1 Answer from Attorneys
Sam Calvert Calvert Law Office

Re: Collection from 9 years ago

You should write the collection agency and demand "verification of the debt". On the facts you give the debt may well be barred by the statute of limitations even if you did originally owe the debt. You should likewise contact the credit reporting agency (e.g., Experian) and file a dispute through their mechanism.

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Answered on 11/11/06, 10:59 am


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