I recently went to buy a house and learned there was a negative entry on my credit report. I couldn't believe it because I have always paid my bills and never got any letters stating I had debts to anyone.
So luckily I am still able to purchase but just have minor fees (which are not right) because of the derogatory claim. The lawyer's office holds out the amount of the debt to settle it and much to my surprise they are unable to.
I just didn't want to be bothered with it, so I didn't mind them paying the debt, by the way was only $97, but when I was told they couldn't pay it because the company was giving them the run around I was concerned.
I decided to look into it and see what exactly was going on. I called and a rep told me that the account was from a hospital back where I was originally from. I found this hard to believe because I was a military dependant and had insurance. So I called the hospital direct and learned it was from 1997. I was only 14 years old at the time and the only reason there was money owed was because my mom didn't show proof of my insurance. They then informed me that it should have never been placed on my report because I was not the responsible party for the debt. It clearly showed my mother as the responsible party on the worksheet.
After this I was furious. I contacted TransUnion with the information I had received and 2 weeks later, receive a letter stating that they could not change it. This was so unfair. I have always taken care of my bills and then this. My mom is so upset that she could have prevented this. The $97 fee is for her not showing my insurance card. They had to do a little extra work and pull up my records so they charge for it. Insurance paid everything but the fee and now I am stuck with this!
CBCS has been no help. They tell me to fax the info to them but nothing changes. I am fed up.