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2 CA's reporting same debt?

Established Contributor

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

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 1 of 11
10 REPLIES
Valued Contributor

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.

Scores: about 700 across the board
Total CL: $275k
Message 2 of 11
Moderator Emeritus

Re: 2 CA's reporting same debt?

+1 DV both of them.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 11
Established Contributor

Re: 2 CA's reporting same debt?

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?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 4 of 11
Moderator Emeritus

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.
Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 11
Valued Contributor

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?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 6 of 11
Moderator Emeritus

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
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 11
Established Contributor

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? 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 8 of 11
Moderator Emeritus

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
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 11
Community Leader
Legendary Contributor

Re: 2 CA's reporting same debt?

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.

 

Message 10 of 11