Debt recalled: does it come off my credit report?

[riffwraith]

Jurisdiction

Connecticut

Long story, but a debt collector flagged my Experian credit report as in collections a few months ago.

Feeling this was in error, as my old utility company never contacted me, I filed a complaint with the state. The collection agency sent a letter to the state, stating that the utility company has recalled the debt. I am going to call the utility company to see if this is a valid debt, and if so, I will pay it. If not, I will not pay it. In the meantime -

Should the negative item come off of my credit report? Do I need to do anything, such as file a dispute?

And a side Q: if one requests verification of debt from a collection agency, is that considered a dispute?

Thanks in advance.

 

[Tax Counsel]

The details of the debt and its resolution will determine what changes are made to the credit report entry, if any. Right now you don't know what the deal is with that debt record — you aren't even clear yet if there is money actually owed. Until you know the final resolution it's not possible to know what changes should occur to the report. Requesting validation of the debt through the credit bureau is not the same thing as disputing the debt. For a dispute, you need to write the credit bureau to expressly and clearly state that you dispute the debt. When you do that, the credit must mark the credit entry as disputed until the dispute is resolved one way or the other.

 

[riffwraith]

Thank you.

"Requesting validation of the debt through the credit bureau"

Wasn't even considering that.

If the debt has been recalled, then it is no longer in collections, correct? If so, then the item that sits on my report should no longer be there, correct?

 

[adjusterjack]

Check it at www.annualcreditreport.com

You'll probably have to be proactive about getting it removed.