Texas  |  Credit and Debt Law

Legal Question

Asked on: 2/26/03, 10:49 am

Collection agency reporting wrong info. to credit bureaus without first contacti

A doctor gave my account to a collection agency, although the bill was paid in full. The agency tried only once to reach me, at an old phone number in TX seven months after I had moved. After the disconnect message, they decided the account was ''delinquent''. They simultaneously reported me to the national credit bureaus and sent me a form letter, mailed to my current address, dunning me for the alleged overdue amount. I called the doctor's office, which admitted that the bill was not delinquent. They called the collection agency to cancel the account, but now the erroneous information is on my credit reports. My question: did the agency err in not trying to reach me at my current address, which they had obtained, before notifying the credit bureaus? By the way, the doctor's office also had access to my new address but failed to contact me.

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