Friday, February 12, 2010

I have never asked a more serious question....please read and advise! (debt collection false accusation)?

My boyfriend is currently in the process of buying a house. His credit score used to be great (upper 700s) but the lender just called him to let him know that His credit score dropped because Verizon Fios put a complaint on him for not paying for the rental equipment. This property is very competitively price and he was planning on putting the offer in tomorrow. He said that he did get a letter from FIOS a few months ago but he checked a box saying that he disagrees with the complaint and that he had not heard anything since then. Do we contact Verizon Fios directly? He thinks we have to go through the debt collection agency but that could take so long. The rental equipment was turned in sometime around October of 2008 (in case that is important).





He has evidence to prove that he canceled the account properly but he didn't keep anything from the day he actually returned the equipment. But I was there with him so I know it was returned.





Please give us some advice on how we can handle this quickly. This couldn't have happened at a worse time. Any honest advice would be very much appreciated and in the meantime I will try and surf around to find a number to call.


THANK YOU.I have never asked a more serious question....please read and advise! (debt collection false accusation)?
First, you need to talk to a real person at Verizon. Getting a receipt for returning equipment is vital. I returned a phone to US Cellular, and they lost the phone.





You might ask Verizon to fully identify the missing equipment, model numbers, and serial numbers. If the phone was still active when you turned it in, it will leave a trace. Verizon can check and find out where the phone was last active. If the location is close to their store, you have a case.


You might return to the store, that you returned your equipment too, and see if any one there recognizes you. Often old phones are just chucked into a drawer, and not inventoried. Sometimes, if you explain your situation, a store employee may issue a duplicate receipt.





In some cases, you might just go ahead and pay the bill, to clear the report.





You protest the report on his credit report. But some companies will continue to report bad information. Discover card added a dople ganger (a person with a close social security number) to my wife's credit report just before we were to close on a house. The closure was delayed a few days while the bank sorted it out, and ignored the false information. The next year, Discover card had put the bad information back on the report. It took years and a full manual override from the credit bureau to get rid of the bad information. A manual override means talking to a real person at the credit bureau.I have never asked a more serious question....please read and advise! (debt collection false accusation)?
Just let him run his free credit reports from annualcreditreport.com or call them toll free @ 1-877-322-8228 for all 3 free reports. Whatever credit agency reported the derogatory info, have him disputes it. They have 30 days to respond or it has to come off. He can also file a complaint with the Federal Trade Commission. Their toll free # 1-877-382-4357.
He should contact verizon personally to straighten this out. Tell him to have a pleasant attitude on the phone. He needs to tell them about his evidence proving he returned the items.
Yeah this could end up being kind of a big deal. Call Verizon and get this straightened out ASAP.





If they seem unsure what to do or unwilling to help, demand to speak to the manager or boss of whoever you're talking to, even if you have to elevate it multiple times. This needs to be taken care of, and they need to get the debt collection agency to stop and make sure that your credit is restored.





Also make sure to talk to the lender and explain the situation clearly, and that you're trying to get it taken care of ASAP.

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