Palisades Collection Agency This agency was told by my attorney and the state attorney general of Oregon to seize three times, and still it pops up on my report, lowering my credit score. Englewood Cliffs New Jersey

Clarence, if you have a lawyer, he should have sent them a Demand for Validation letter. The bottomfeeders must either validate the debt or cease attempts to collect it AND REMOVE IT FROM YOUR CREDIT REPORT.

Now then, Tim stated "The credit reporting agencies, according to you, have denied your disputes three times. This means that the collection agency has been at least able to validate the debt (in other words, show that it existed at some point)." This is not necessarily true. They more than likely sent a letter to the bottomfeeders asking if the debt is vaild, the bottomfeeders say, of course it's valid, and the CRAs tell you tough.

In Richardsons v. Fleetbank, Equifax,et. al, the Richardson's sued Equifax, TransUnion and Experian because they simply accepted the word of the creditor that the information was correct. The court ruled:

"A credit reporting agency is initially entitled to rely on information contained in the reports issued by credit grantors, because it would be unduly burdensome and inefficient to require an agency to look beyond the face of every credit report. However, once notified that a consumer disputes the information contained in such records, exclusive reliance on such information is neither reasonable or justified."

If the reporting agencies are not truly investigating your dispute, you have grounds for a lawsuit against them.

WHERE IS YOUR LAWYER IN ALL OF THIS??? It sounds to me like lawsuit time.

It sounds like you've done your "due dilligence" in trying to get this to go away, but you never stated whether they are actually trying to collect on a legitimate debt.

The credit reporting agencies, according to you, have denied your disputes three times. This means that the collection agency has been at least able to validate the debt (in other words, show that it existed at some point).

If they keep asking you for proof of payments, why aren't you providing them? Or, as Robert said, why not start a lawsuit? Then you could subpoena some records and get that proof.

By the way, even with a cease and desist order in place, a collection agency can still contact you to try to resolve a dispute that you initiated.

Since you already have an attorney working with you on this matter, it should be rather easy for you to SUE this agency for their alleged fraud.