Trouble beside collection agency on a closed story? our old apartment complex tried to trade name us pay for a

our old apartment complex tried to trade name us pay for a fire that occur on our balcony aphorism it was the grill stored that started the fire, however the officer fire report never came to that conclusion and the fire investigator said we could not be reasonably liable. However they turned it over to collection agency and I sent letters wise saying we could not legally be liable for these damages, however its on my credit report and i disputed near experian, now what? gratitude in mortgage

In your dispute try including the official firereport and any other civil servant paperwork

Check into the FEDERAL FAIR CREDIT REPORTING ACT. I do not have their www site, however, do the scour web bit. Just enter the above capitalized words. Good Luck.
Uncle Wil

Answers:
Mary is partly right...but she must live within a different country. In the US they have to prove you are liable.

Fire marshal are very powerfully trained in figure out what caused a fire. It's pretty in plain sight if it was from a grill.

Either course, until this liability is resolved the creditor has no right to pursue you near a collection, and certainly no right to trash your credit history.

Therefore, you do own grounds to sue for posting this to your report. Send out the required dispute letter to the credit bureau, and validation packages to the collection agency along with copies of the fire report. Tell them to any prove their case within court or you will file your own lawsuit.

These types of suits are file all the time by landlords. They probably didn't hold their building properly insured and are trying to make you income for their mistake.

I am not sure there is much more you can do. I enjoy disputed a hospital bill with the hospital and to be exact what is says on my credit report, disputed. Here is the association for the Fair Credit Report Act, I hope it helps and fitting luck!
http://www.ftc.gov/os/statutes/031224fcr...

Send them a certified notification explaining everything as you did here, and include copies of all documentation.

Tell them to remove it forthwith from your credit reports and cease adjectives further collection action, or you will sue them for 10 million dollars below the Fair Credit Reporting Act.

Say it just close to that. I am not kidding.

You are dealing beside morons. you are not dealing with any form of intelligent energy. If your letter does not take their attention, call a legal representative, and sue them under the FCRA. You will in fact probably win.

Not trying to be mean, but here is no way a veranda caught on fire by itself. If it started on your veranda, then something cause it to catch fire, and you are responsible.

The Fire Marshall isn't an attorney and have no authority on telling you if you are legitimately liable, unless it was possible arson, and after he wouldn't say anything, he would lately inform the police who would take it from in that.

Your only defense, is to bring back the Fire Marshall to present a report stating that something else caused the fire. The Fire Marshall is reqiured by directive to do a report...the cause may be "unknown", but a report is required. They will not dispatch it to you automatically, you have to hail as and get it.

The collection agency is going to cold-shoulder your letters, and so will the court, unless you can prove that something else cause the fire, b/c again, balcony's don't catch afire by themselves.