Cox Collections on Your Credit Report? Fight Back and Win

There aren't many experiences that are more frustrating or stress-inducing than struggling with debts that have gone into collections. If this is something you are dealing with, you've come to the right place. In this article, we'll discuss what Cox Collections is, explain what they do, and provide guidance on how to remove them from your credit report.

Navigating debt management - especially when you have seriously delinquent accounts - is complex, but the more informed you are, the better positioned you'll be to get your finances back on track.

What Does Cox Collections Do?

Cox Collections is a branch of Cox Communications - one of the largest internet server providers in the United States. The department follows the same practices as other debt collectors when pursuing overdue accounts. Typically, the process includes sending out letters or making phone calls to the debtor. They often ask for payments equal to or even greater than the amount originally owed due to late penalties and other additional fees.

If payment isn't received within a specified length of time, they may also take legal action, including filing suit against the consumer - while this is usually a last resort, Cox has been known to sue many past customers for failing to pay on their accounts.

Is Cox Collections a Legit Company?

Yes, Cox Collections is a legitimate branch of Cox Communications. The company’s corporate information can be found below:

• Phone Number: (844) 261-1300
• Address: 16909 Burke St STE 121 Omaha, NE 68118-2268
• Website: https://www.cox.com/
• BBB Rating: 1/5

While Cox certainly has a right to collect on unpaid accounts, that doesn't mean they operate fairly when they do. With a 1-star rating on the Better Business Bureau and hundreds of complaints filed with both the Better Business Bureau and the Consumer Financial Protection Bureau, the company clearly has a bad reputation with its customers.

If you’re feeling any undue pressure from Cox about outstanding payments, it is highly recommended that you seek legal help or research your options before engaging in any conversations with the company.

What Can I Do If I’m Being Harassed by Cox Collections?

When Cox Collections calls you about an outstanding balance, it pays to know your rights. Federal laws exist to protect consumers from overly-aggressive collection practices and allow you to defend yourself against collectors.

According to federal law, collectors are not able to contact you outside of certain hours or use any harassing methods for collection purposes. Some of the federally prohibited behaviors include, but are not limited to, the following:

• Falsely implying that the consumer has committed a crime.
• Misrepresenting the character, amount, or legal status of debt allegedly owed.
• Making false or misleading representations about the services debt collectors provide.
• Sending letters that appear to be from attorneys or government agencies but are not.
• Threatening arrest or legal action if such threats are not legally allowed in the state where the consumer lives, are not intended to be carried out, or cannot be carried out due to lack of authority.
• Contacting consumers with excessive frequency or at unreasonable times and/or places, such as before 8:00 AM and after 9:00 PM local time at the consumer’s location (unless otherwise agreed upon).
• Engaging in abusive behavior in order to harass, oppress, or abuse any person during the collection process; this includes using obscene language and/or other forms of verbal abuse toward consumers and their families over the phone.
• Disclosing information about a consumer's debts to third parties without prior consent from the consumer (except for permissible uses under FDCPA).

If your rights have been violated by Cox, then the company should be held accountable - and you should receive appropriate compensation. If you choose to exercise your right to sue, be sure to document all relevant offenses in as much detail as possible.

Consulting an attorney with expertise in consumer law is also the best path toward building a strong case. This will help ensure every possible avenue is explored and that your case is being argued by someone with knowledge of all applicable laws.

How Can I Get Cox Collections Removed from My Credit Report? 

Disputing a collections account on your credit report can be time-consuming, but it’s important to take the necessary steps in order to protect your credit score. 

The first step is to contact the three major credit bureaus, including Experian, TransUnion and Equifax, and request a copy of your credit report. This will allow you to review the account in question and verify that it is genuine. Here a few things you should do when trying to get a negative mark removed:

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• Ensure all information on the report is accurate by double-checking for any mistakes.
• Take note of the date of last activity or when the debt was sold as this information plays an important role in disputing the debt.
• Review consumer protection laws relevant to your location as they may determine whether or not you’re allowed to dispute the debt.
• Make sure to keep records of all communications related to disputing the collection account.

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After reviewing your credit report, dispute any incorrect information with each of the three major credit bureaus by filing a dispute online or over mail. Once they receive your dispute they are required by law to investigate and provide feedback within 30 days from receipt of your letter.

Depending on their findings, they can either remove or modify inaccurate items from your credit report or leave them unchanged if found legitimate after investigation. If a correction is made, you should follow up with each bureau to ensure your dispute is finalized and that all changes were made accurately before requesting updated copies of your reports.

Contact Us For Your Free Case Review

It can be challenging  knowing how to handle debt collections, but with Fair Credit at your side, you don't have to feel helpless. Our attorneys are experienced in consumer law and are ready to provide the assistance you need to get things back in line.

We also offer free case reviews so that the advice we offer is tailored for your unique debt situation. Don't wait - get in touch today and take control of your financial credit and financial health.