Sued By Collection Agency

I have been up to this point, having great success at getting negative items removed from my credit report. I recently ran into a little snag. I had two collections with Paragon Way, I was not getting much cooperation from them in getting them removed from my credit report. I decided to file a complaint with the BBB, this got a response from them immediately on both accounts. On one of the accounts, an old Dell account (Citi) they deleted from credit reports, they did not have good documentation to back up their claims. The second account which is a Chase account, apparently they had already turned this matter over to their attorney. I received a lawsuit from them concerning this account. Naturally, this is a major setback to my campaign, all is not lost though. Most of the time these creepy collection agencies file suit in hopes that they will not be challenged and they will get a default judgment against you, this gives them lots of leverage. I on the other hand will not lie down, I consulted with a NACA attorney and not only have we responded to the lawsuit, but we have counter sued as well for their violations of Federal Law. We will see how this goes from here.

On a more positive note, another collection account that appeared on my credit report was from CACV, nasty collection agency from what I hear. This account was linked to a Chase account, not the same one as referenced above. I disputed the Chase account on my credit report because I had no idea what this account was for. Chase ended up sending me an affidavit to sign stating this was identity theft. The same time I was dealing with Chase, I sent a validation letter to CACV. I signed the affidavit from Chase, since I did not know where this account came from. CACV ended up sending me their statement, bill of sale, and some statements from Chase, and a letter from their attorney. I knew right away when I saw the statements from Chase that this was NOT my account. I contacted Chase over the phone and they stated that they have recalled the account from the collection agency and they deleted it from my credit reports. CACV however had not deleted the account. I called this attorney for CACV and stated my case, he did tell me that CACV has closed the case and account and should be deleting it from the credit reports. As of this writing it is still showing up. I am sending a letter to CACV to delete the account. Once this is deleted I will only have one collection account left and that is the one for which I am being sued.

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