Most debt collectors and collection agency don't report to credit bureaus. I never heard of a debt collector being able to change your address with the credit bureaus. You say you supplied the credit bureaus with your address and a collector changed it?
What did they change it to? What good would it of for a collection company to change your address ? Then they can't mail your letters either.
Hi Patpc101, welcome to RegulationRoom and thank you for joining the conversation. Under current federal law, collectors are not allowed to intentionally give false information to credit reporting agencies. However, debt collectors and buyers may make mistakes when transferring information about a debt that has been sold, resulting in false information. CFPB has questions and ideas about how debt collectors and buyers should transfer information, which you can read and comment on at the Making sure debt collectors & buyers have info about the debt topic page.
You are absolutely right. But, you'd be surprised at how many times this does happen and how many times the Credit Bureaus Do change correct information to false information supplied by the 'furnisher/debt collector'. Because I had to send in numerous Certified Letter to the Credit Bureaus, (all of them), in order to stay on top of all the false information and tricks that they did supply. And I have written proof, that this does and is still happening to other consumers, right now.
R N
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Most debt collectors and collection agency don't report to credit bureaus. I never heard of a debt collector being able to change your address with the credit bureaus. You say you supplied the credit bureaus with your address and a collector changed it? What did they change it to? What good would it of for a collection company to change your address ? Then they can't mail your letters either.
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Moderator
2
Hi Patpc101, welcome to RegulationRoom and thank you for joining the conversation. Under current federal law, collectors are not allowed to intentionally give false information to credit reporting agencies. However, debt collectors and buyers may make mistakes when transferring information about a debt that has been sold, resulting in false information. CFPB has questions and ideas about how debt collectors and buyers should transfer information, which you can read and comment on at the Making sure debt collectors & buyers have info about the debt topic page.
View this comment in the discussion thread
Patpc101
3
You are absolutely right. But, you'd be surprised at how many times this does happen and how many times the Credit Bureaus Do change correct information to false information supplied by the 'furnisher/debt collector'. Because I had to send in numerous Certified Letter to the Credit Bureaus, (all of them), in order to stay on top of all the false information and tricks that they did supply. And I have written proof, that this does and is still happening to other consumers, right now.
View this comment in the discussion thread
Moderator
4
Welcome back, Patpc101, you can submit a complaint to CFPB. Their site allows users to attach documents to their complaints.
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