I am also in the same boat. I have good credit high-700s / low 800s and I checked my score a few days ago to find it at 590.

Iqor Canada is reporting an ETR debt from 1999 that I was first contacted about in 2005 and which had ballooned from something insignificant to just under a thousand dollars. I refused to pay it. Did now acknowledge it. They went away. In 2007 they sent me a bill again that I refused to pay.

Now 2009 and IQOR is reporting that the date of last activity was 06/09. I have written to IQOR and started an Equifax investigation. I have also written to the ETR and filed a complaint with Consumer Affairs. Is there anything else I should be doing?

I am considering civil action as the reason I was checking my score was because I was going to apply for credit that I needed for a large purchase. I have the resources to sue and I'm not really concerned if the legal fees are more than the award as I'd be just happy with making them pay. Is this an option?

I believe that Ontario legislation applies, since this old Ontario debt from 2002 and I relocated to Alberta just few years ago.

Glad to see you made a little progress. Now that I see you are from Alberta, if you'd like to know which act supports the stance you are taking, check here:

http://www.canlii.org/en/ab/laws/stat/rsa-2000-c-f-2/latest/rsa-2000-c-f-2.html

Statement of account

114(1) Every collection agency must, on the written request of a debtor, provide to the debtor a statement of account that shows the amounts received and paid out by the agency in respect of the debtor and the amount owing by the debtor at the date of the statement.

(2) A collection agency does not have to provide the statement of account more frequently than once every 6 months.

1998 cF‑1.05 s114

Thanks for the tips! I called Iqor again - politely asked if they would provide me some information in regards of the account - very nicely I did ask for the 'last payment date aka date of last activity' - the frustrated voice on the other end finally after several minutes told me that they do not have such information - as a response I kindly asked her to update the field as March 23 2002 - I heard back: "thats old?" and then click.... she hang up on me :)

Now with knowing such vital info that iqor is missing most of info - I filled a dispute with both - Equifax and Trans-union over the inaccurate information about the last date of payment on file.

Both told me that Iqor needs to provide a proof or it will be removed from the credit file within 28 business days.

Dispute the listing through the credit bureaus.

So, what's stopping you from calling up iQor and giving it your best shot at prying some info out of them?

If you are from Ontario (like your profile leads one to believe), build youreslf a base and ramp up on The Ontario Limitations act before you make that call. You have a right to request certain information, so hold your ground until they comply.

http://www.e-laws.gov.on.ca/html/statutes/english/elaws_statutes_02l24_e.htm

The Ontario Collection Agencies act would also be a good read for you, too..

http://www.e-laws.gov.on.ca/html/statutes/english/elaws_statutes_90c14_e.htm

He says that this account is canceled and I should talk to collection agency for the proof.

Did Rogers cite a reason for not being able to send you a hard copy of your final bill? Sure, you can request that iQor provide you with the same, but from my experience with them, expect to get stonewalled. They certainly don't seem to employ the brightest (of the dumbest) in the financial business. In fact, I'll be surprised if you can even get your question in with their agent(s) before being verbably overpowered by someone's pent up personality disorder.

Good luck though.

Thank you for your response - I called Rogers and they told me that they are not able to print anything - that I should contact the collection agency and pay the bill. Mentioning the statue of limitation made no effect. They verbally confirmed that my last payment was done in March 2002 and last invoice sent was in June 2002 before it was send to collection.

Contact Rogers again and request that they supply you with written verification of the last payment date. Once you have this in hand, file a dispute with both Equifax and T/U; request to have this entry removed from both reports.

The whole process may take some time, but keep on Rogers until they furnish you with this information. If they refuse, or are simply unable, bring that to the attention of the credit bureau's. I don't recall which type of disupute forum one submits when the creditor cannot validate the debt, but there is avenue you can persue and the Bureau's should be able to point you in the right direction.