How to Remove Collection Account with EOS-CCA
EOS-CCA is a collection company based in Norwell, Ma. I had a couple accounts listed on my credit report with them, and I suspected at least one of them was not mine. One was tied to an ATT mobile phone account, and at no point did I have an ATT based mobile phone. The other was for a parking ticket in Bolingbrook, Illinois. There is a good chance this was mine, as I used to park on the wrong side of the road to keep my car clear from kids playing basketball. Below are the steps I took to remove a collection account with EOS-CCA
The first step I took to remove this collection account with EOS-CCA was to dispute the non valid one with the credit bureau it was listed on, in this case, Transunion. The account came back as verified. This is no surprise as disputing through the bureaus can sometimes be frustrating and may yield little results. Removing collection account tactics vary from account to account.
After Transunion came back as stated the account was properly verified, I sent a debt validation letter hoping to hear a response. Once again, crickets. No response from EOS-CCA. I never received a dunning letter, so I was unsure if they would even validate. At this point I was beyond frustrated, but looking to accomplish what I needed, I then sent them a pay for delete request in the mail. The larger account was not mine, but they weren’t for a ton of money, and I just wanted them gone. The address where I sent the letters is:
EOS CCA
700 Longwater Drive
Norwell, MA 02061
I received no response to my pay for delete request as well. Things were not looking too good on the collection account with EOS-CCA front.
After using some internal email addresses, I was going nowhere, so I decided to use Google and see what I could come up with. I located a document for the State of West Virginia, in which EOS-CCA made a public bid to collect for the state. On this document was an email address for an internal project manager and the name of the head of consumer relations. Using the naming convention based on the project managers email account, I figured out the internal email addresses for the heads of the company. This is the email I sent them
Greetings!
My name is ManVsCredit. As VP of Operations, I felt you would be able to delegate this to the appropriate representative within your company. I do not wish to be combative, just to open up dialog to resolve a collections matter with your company.
Please notice this email is not an admittance of debt. I am merely looking for information and a solution for both parties. I have two collections on file with your company (to the best of my knowledge), one is from the Village of Bolingbrook, Illinois for a parking ticket, the other is an account listed for an ATT phone account.
I have sent debt validation letters several times dating back to November 2010. The last two were sent certified w/ return receipt. The account in question relates to a ATT account. I have no knowledge of this account and requested to see documentation that I am in fact the owner. I have not received anything to date.
In the spirit of compromise, I am looking to settle this account. I am will to pay the outstanding balance, which at last look was $560 dollars as of 5/20/2011. In exchange for full payment I would require that this account to no longer reported to the three credit agencies. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report.
If this is unacceptable, I will require further proof this debt belongs to me. It has been 7 months and I am yet to receive anything from EOA-CCA.
Please forward this on to an account representative. I appreciate your time.
Thank you!
Want to see the document? It is public record and it is listed right here!
Do you want the email addresses? Comment on this post or send me an email!
One email letter later, I received a response by US postal mail that my collection account with EOS-CCA had been removed. Success! 2 out of 17 accounts deleted with a little elbow grease.
Recap of steps taking to remove collection account with EOS-CCA:
- I sent a DV. They never responded, so you can choose to send or not. I used the fact I sent it in the letter I sent to the via email.
- Sent emails to the head of consumer relations. I did not claim ownership to the debt; I did offer a PFD
- They send me a letter in the mail a week later indicating the account will be removed. I paid no money.
This information/contact has worked over 2o times to people I have sent it to on misc. forums and via email.
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