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Question
My credit score is being affected a 2004 entry. The entry is from a collection agency and it reflects "Collection Paid" and Balance of zero. At the time, I disputed the bill and ended up agreeing to pay a part of the bill, and there was also agreement that no negative credit information would be reported. The Collection Agency won't remove the entry since the information isn't inaccurate per se, but it is dragging down my credit score and costing me. Is there any action I can take?
Ian:
I would dispute it through the credit reporting agencies and target the date of last activity or status or anything that is incomplete. If verified, you would have the ability to sue under the FCRA and FDCPA.
If you reside in Tennessee, please contact Jason Barnette at Barnette Law Offices, LLC.
Jason Barnette, Esq.
Barnette Law Offices, LLC
htt://www.barnettelawoffices.com
615-585-3885
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Answers by Expert:
Barnette Law Offices, LLC
Expertise
Barnette Law Offices, LLC can answer questions relating to credit reporting inaccuracies, debt collection abuse, and bankruptcy issues. No portion of any of our communications shall be construed to form an attorney-client relationship. We only represent residents of Tennessee.
Experience
Jason Barnette is a licensed attorney in the state of Tennessee admitted before the Tennessee Supreme Court. He is the founder of Barnette Law Offices, LLC in Nashville, Tennessee. Barnette Law Offices, LLC is one a the very few Tennessee law firms which handles cases arising under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Tennessee Consumer Protection Act.
Organizations
National Association of Consumer Attorney's (pending)
Education/Credentials
Appalachian School of Law - Juris Doctor
Licensed Attorney - Tenneessee Supreme Court
Past/Present Clients
J.P. Morgan Chase, Countrywide
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