Collections for contract I sold years ago.

[Railman83]

Experian notified me that Meridian Financial is after me for $3000 ($4500 with fees) for a Bay Club of San Destin contract I gave away years ago.

I transferred this to someone thru LT transfers years ago and I disappeared from my Wyndham account and in all that time Wyndham never billed me for this contract, nor showed any points for use.

Anyone else dealt with this?

 

[TolmiePeak]

Experian notified me that Meridian Financial is after me for $3000 ($4500 with fees) for a Bay Club of San Destin contract I gave away years ago.

I transferred this to someone thru LT transfers years ago and I disappeared from my Wyndham account and in all that time Wyndham never billed me for this contract, nor showed any points for use.

Anyone else dealt with this?

Sounds like a scam.

 

[Railman83]

Meridian Collections seems like a large well known collections company. They got the wrong person, either the condo board was slow to update new owner or something, but that said at no time has anyone sent me a bill after it disappeared from my Wyndham account.

 

[jp10558]

I think you can demand they prove you owe the debt, and also likely show them in whatever county records you're not the owner.

 

[billymach4]

Affecting your credit score?

 

[Railman83]

Not yet. Oh and the odd thing is they never sent me a notice and went straight to Experian.

 

[rickandcindy23]

If your name was recorded in the county to another person, you are not liable.

 

[geist1223]

Demand the original Contract Documents. Contact LT Transfers to see if they can provide you copies of the transfer Documentation.

 

[TUGBrian]

dispute with experian.

 

[Snazzylass]

What Brian said. Obtain copies of all 3 reports: Experian, Equifax & Trans Union to see if the collection is listed there. Follow the procedure with Experian to dispute the collection.

At this point, have you confirmed that it shows on your Experian report? It's up to the reporting agency, Experian, to verify that it is your debt. If not, they must remove it. If it's on the other reports, you need to follow the same procedure with them.

 

[Floridaman76]

All you have to do is show the deed recorded in the new owners name. You can get this information from the Clerk of the Circuit Court in Okaloosa County Florida. You should be able to see it online if LT Transfers did not send you any documentation.

Then tell them to pound sand and threaten legal action if they don't remedy this immediately

 

[Conan]

Be sure to block or hang up on phone calls if they have your number and throw away anything you find in the mail. Any answer or explaining you do will only be used against you to extend the time they have to continue.

 

[RX8]

The burden of proof is on them, not you. Dispute with Experian and, as @Snazzylass suggested, also obtain your Trans Union and Equifax reports. It is likely that this debt is being reported to all three bureaus.

 

[Railman83]

Update:

I called LT transfers who located the deed transfer in March 2024. Kudos to them for that since I didn’t even use them for this transfer (direct Deedback to Wyndham). I’ve uploaded to my Experian dispute.

Called the Bay Club and their GM hasn’t gotten back to me. Called meridian financial and the debt collector assigned and left voicemail. They have not called back.

 

[billymach4]

LT Transfer rocks

 

[davidvel]

Experian notified me that Meridian Financial is after me for $3000 ($4500 with fees) for a Bay Club of San Destin contract I gave away years ago.

I transferred this to someone thru LT transfers years ago and I disappeared from my Wyndham account and in all that time Wyndham never billed me for this contract, nor showed any points for use.

Anyone else dealt with this?

What specifically do you mean by "Experian notified me"? This is important. Experian doesn't notify anyone about debt collections, unless you have a specific plan with them to do so. Especially as it is not on your Experian report.