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I recently missed a bill due to an error on behalf of my utility company. It ended up at a debt collector, who when calling me insisted i share my date of birth
by verelo 6y ago
I recently missed a bill due to an error on behalf of my utility company. It ended up at a debt collector, who when calling me insisted i share my date of birth, address and full name before they'd tell me what the call was regarding. I refused, they got mad and acted as if I was trying to avoid paying the bill. I assumed the call was fraud.
I found it was in fact not fraud when my credit monitoring service informed me that someone reported I refused to pay a bill. One call to the utility company later, it was resolved...unfortunately i'm still trying to fix the credit report.
- RandomBacon 6y agoIf anyone else runs into this, I've heard that you can say you'll pay only if they remove their claim from your credit report. Suposedly it's not legal for them to offer (I guess extorsion), but as far as I know, it's legal for you to ask. It sounds like that option has passed for the parent comment, but you did just try disputing it right? Force them to come up with the proof.
- verelo 6y agoPresently in dispute, no outcome yet. I didn’t actually know it was going to hit my record as i paid through the service provider and no one threatened that. As someone that’s never not paid a bill, i guess i just needed to learn this lesson.
- Nextgrid 6y agoDid they mail you anything in writing? Not that a letter is worth anything by itself, but if it's asking you for a debt you recognise and asks to call a number that does indeed map back to a debt collection agency (on Google, etc) it's probably legit. I am not sure whether it's even legal for them to mark you as refusing to pay without making a formal payment demand by mail.