Q: Large collection attorney firm out of Cincinnati Ohio has placed over 30K on my credit report for a three year lease.
I have disputed tirelessly for four years. Illegal in Ohio to "double dip" someone moved into my apartment one month ( less than one month ) after I moved out and they will not remove this collection. This collection began during COVID (2020) so no attorney would even discuss with me during that time ( reached out to four firms ). Now, 2024 am hopeful wise counsel will assist me. This has hindered my ability for a mortgage greatly. CORRECTION TO TITLE: Firm is out of Tampa, Florida - not Cincinnati, Ohio. But, I reside in Hilliard, Ohio.
Notes: There is no judgement ( no eviction ) and no judgment filed with the courts for this collection. I have already disputed for "years" with the credit bureaus. Any help is appreciated.
A:
1) Contest the debt on the three major credit bureaus.
2) If it comes back corrected, then you are done.
3) If it comes back disputed, bring an action under the fair credit reporting act.
The above only applies IF THERE IS NO JUDGMENT. If their is a judgment, then you will need to contest it. If the judgment was entered in 2020, then this will be very difficult unless they failed to serve you with the complaint.
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