Does a company have the right to report a charge off if they failed to notify the consumer of the debt?

Get Legal Help Today

 Secured with SHA-256 Encryption

Does a company have the right to report a charge off if they failed to notify the consumer of the debt?

I canceled my cell phone service 5 momths ago. I notified them of the change in address when this occurred through writing, and through customer service. They never sent me a final bill or any additional notification. They charged off a $150 balance. When I found out they reported a charge off to the credit agencies and I immediately called and paid them. They are refusing to remove the charge of reporting. Can this be legal?

Asked on August 24, 2012 under Bankruptcy Law, Hawaii

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

There is nothing improper for a creditor to report a charge off (write off) of a due debt owed it to a credit reporting agency. If you want to get the report of such removed from your credit report, I suggest that you pay the $150.00 to the creditor via a check and send a copy of the negotiated check to the credit reporting company asking that the "charge of" be removed from your report.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption