Ricfer Sanras got a bill in the mail from CompanyX and refused to pay it because she never signed a contract for the services the CompanyX claimed to render.
CompanyX sold the alleged debt to a CollectionAgencyCinema, and CollectionAgencyCinema pursued the matter against Ricfer, eventually suing Ricfer in small claims court.
Ricfer responded to the lawsuit and put forward her case, eventually prevailing. The judge ruled that CompanyX never had a valid contract, and thus the defendant was not liable.
CollectionAgencyCinema filed the 'debt' with a credit reporting bureau and Ricfer did not find out about it until checking her credit score online.
Her credit score was originally ranked "excellent" (low 800s) and now it is in the mid 600s.
Ricfer believes this negative mark on her credit score is directly related to the filing by CollectionAgencyCinema.
- Can Ricfer compell CollectionAgencyCinema to report back to the credit bureau that the debt was never valid and therefore should be striken?
- Can negative credit accounts be permanently "expunged" as though they never existed?
- What remedy or damages can Ricfer seek against CollectionAgencyCinema if they do not comply with her written request to have CollectionAgencyCinema report about the invalid negative entry?