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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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2 CA's reporting same debt?

I just pulled my TU on here thru quarterly monitoring and found a CA I've never seen before.  It's not on my EQ (yet...) and I cannot remember if I got a dunning or not. 

 

I was actually going to PFD this with Natl Recovery before I saw the double reporting so now I don't know what to do?

 

 

Collection on debt to: 01 Doubleday Book Club

The collection agency "Bur Col Reco" was hired to collect a debt of $85 originally owed to "01 Doubleday Book Club" on

account number "XXXXXXXX".

Collection agency Bur Col Reco

Original balance $85

Current balance $85

Date assigned Jul 17, 2012

Original lender 01 Doubleday Book Club

Account number XXXXXXXX

Account holder Individual

Account descriptions Placed for collection

 

 

Collection on debt to: 01 Doubleday Book Club

The collection agency "Natl Recover" was hired to collect a debt of $85 originally owed to "01 Doubleday Book Club" on

account number "XXXXXXXX".

Collection agency Natl Recover

Original balance $85

Current balance $85

Date assigned Feb 06, 2010

Original lender 01 Doubleday Book Club

Account number XXXXXXXX

Account holder Individual

Account descriptions Placed for collection

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Valued Contributor
Posts: 1,468
Registered: ‎08-30-2012
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Re: 2 CA's reporting same debt?

Send each of them a DV. If you don't remember if you got a dunning notice or not, chances are this won't be considered timely. However, if they can't validate, they must remove the entry.


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Posts: 12,952
Registered: ‎04-15-2011
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Re: 2 CA's reporting same debt?

+1 DV both of them.


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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: 2 CA's reporting same debt?

[ Edited ]

THanks, I will DV both this week.

 

Question - suppose both of them validate -- then what?

 

Can 2 CA's chase the same debt and report it?

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Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: 2 CA's reporting same debt?

Only 1 should validate. I'll follow your post to help. Sorry for short post. I'm on my phone.

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Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: 2 CA's reporting same debt?


Shogun wrote:
Only 1 should validate. I'll follow your post to help. Sorry for short post. I'm on my phone.

Both can report and go after the debt though right?  If both are showing a balance they are both assigned but not sold the debt, correct?

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Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: 2 CA's reporting same debt?

My bet would be National recovery no longer has it. Contact the OC and ask if they will accept payment. That soul tell you if it was assigned or sold.

Starting Score: 504

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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: 2 CA's reporting same debt?

It's been awhile sent I sent a DV so how is this?

 

I just found a debt on my credit report, listed by you, which does not ring a bell.  Under FDCPA 809(b) I am requesting you supply validation that this debt is mine as well as itemization of the balance you report as being owed.  All phone calls are inconvenient; please correspond with me by mail only at my address: 

 

And as for an account number to give them for reference, it's partially *** out on my CR so will the first 4 numbers and my name be sufficient? 

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Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: 2 CA's reporting same debt?

It will do just fine. Don't give any information you don't have to

Starting Score: 504

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Mega Contributor
Posts: 19,031
Registered: ‎03-19-2007
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Re: 2 CA's reporting same debt?

[ Edited ]

Both can legitimately report their separate authority to collect on the debt.  Reporting of a collection is not necessarily the reporting of debt owed to them.

There can be numerous reporting of derogatory items all based on the same debt.

Debt collector one reported collection authority in 2/2010, and if they then withdrew or sold the debt, new debt collector 2 has the right to report their separate collection activty.  They dont care about the reporting of debt collector one.  Debt collector one, similarly, is not required to delete their accurate reporting of their prior collection authority based on the later reporting of another.  They just cant overlap in collection on the same debt. 

 

The inaccuracy I see is the failure of debt collector one to have updated their reporting to now show a $0 amount under their collection.  You could dispute that inaccuracy, and they would be required to update.

 


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