Need Help with Acct reported in my credit was disputed?

I have found on my credit report an acct that was disputed. This acct was reported to the BBB and also was disputed to the collection company with letters I sent by certified mail. Does someone knows if it is agains the law to report an acct on the cridit bureaus that was disputed? I made a letter to the three credit bureaus companies disputing this acct. What else I can do? Also, this collection company was calling me at work, which I understand is against the law. Also, because I don't agree with the amount I supposdely owe, in one of my letters I wrote that they have to take this case to a court so I can bring all my proofs and a judge can decide. Is this ok? Please HELP!

Public Comments

1. Simple answer is yes, they have the right to report it, disputed or not. Your letter to the collectors disputing merely meant they had to send proof of the bill, not necessarily the amount owed, which I assume they did. You do have the right to send a short letter of explanation to the credit reporting bureaus who will in turn have to sent it along to anyone inquiring about your credit score if you would like to do that. Keep in mind that, even if you don't agree with the amount owed you do have to keep making your scheduled payments on the amount NOT in dispute or that can be reported also. I do wish you luck when it finally gets to court.
2. Actually a collection agency can call you at work to collect the debt. What you want to do is contact the collection agency by mail and write a cease and desist letter to stop them from contacting you in any form. Also, send them the proof that you don't owe this bill or the amount that you are disputing. In your letter ask for a confirmation once the matter is cleared up with the creditor that this so-called bill is owed. You also want to contact the creditor to have this satisfactory displayed on your credit history or removed if this bill isn't yours and you can prove it.