I was recently sent a collections bill for a gym that was signed up in error (even the gym admitted) because I was a minor. I talked to the gym and they took away the "account balances" of $1,200 and said that it was paid in full. I have a copy of my account which shows balance, amount past due, account charges, total payment due = $0 after she changed it. The only thing that has anything is "Note Amount: $1,200" . She said this is just what I was supposed to pay but do not have to. The gym also forwarded me an email that messages the collections agency representative "Please cease (my name & account number) off the collections list. Reason: error". The manager at the gym told me she'll confirm this by Monday and the collections agency will probably contact me as well to confirm this.
I checked my credit report yesterday (before talking to the gym) and there was nothing on it. Will this go on my credit report?
I'm not sure if the collections was assigned or sold but this is what it said..
"XXX Collections" is the duly authorized agent acting on behalf of ____ GYM. Your account has been placed with our office for collection. Payment is required within ten days.
If you are unable to pay this account within ten days, you must contact our office immediately. This account may be reported to Equifax-Canada and Trans Union bureaus.
The "Note Amount" shouldn't be there either. But to answer your question, it shouldn't be on your reports with either bureau (Technically there are 3 in Canada but only 2 are widely used, TU and EQ). If it does appear, simply dispute as "Not mine" and if you want, attach the letter. That's the reason I say "Note Amount" should be deleted so it doesn't show an amount if you need to use the letter for a dispute.