07-20-2013 10:36 PM
I have a debt from early 2012 that went into collections. I saw on my credit report where there are now 2 different collection company's reporting on it. I sent the CA with the oldest data on it a DV since I thought they sold it to another company and should not be reporting. -I may be wrong about this. But I received a letter back with the validation and saying to send any payment to their office. So which CA would I dispute for validation of debt or send a PFD? The original CA or the one they sold it to?
07-20-2013 10:51 PM
07-21-2013 12:59 PM
Did you send a DV to both of the CAs that are on your account? What do the TLs show, is there a balance listed on both of them? If so, this is a No,No. Is there anyway you can removed the personal identification markers of the account and post it on here so we could see it?
07-21-2013 10:11 PM
I only sent a DV letter to the CA that first began reporting. But now when I did a little more investigating it shows the first CA which is called Rent Recover reporting on all CRs but then on my Transuion CR it shows Rent Recover and Pride Recovery both showing a balance collecting for the same orginal debt and I think it they might be the same CA just with different names and in different states? I am really confused about this and even how to go about my next steps.
07-21-2013 10:31 PM
Nope. They can't report twice.
07-21-2013 10:48 PM
I would do a direct dispute with them and advise them that they are reporting twice and this is a violation. Should they choose to do nothing about it, I'd file complaints with the FTC and your State AG and the BBB.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.