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2 Separate CA's Reporting Same Account.

Valued Contributor

2 Separate CA's Reporting Same Account.

T-mobile is sold an account to CA #1 reporting collection with $350 balance.

 

T-mobile sold an account to CA #2 reporting collection with $350 balance.

 

I havent DV'd either Collection Agency as of yet., wanted to get some advice on best way to approach.

 

Both past SOL.

 

Advice?


I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
7 REPLIES
Epic Contributor

Re: 2 Separate CA's Reporting Same Account.

Are you sure CA #1 didn't sell the debt to CA #2 or assign it for collection?

 

If it is out of SOL I would send both of them DV letters.

Valued Contributor

Re: 2 Separate CA's Reporting Same Account.

Well both are reporting balances, should one report zero balance, if one of them sold to the other?

 

Yea i was thinking of sending DV.


I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Epic Contributor

Re: 2 Separate CA's Reporting Same Account.

It is out of SOL so I would send both of them a DV letter.  One of them should come off.

Valued Contributor

Re: 2 Separate CA's Reporting Same Account.

Thanks Guiness!


I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Frequent Contributor

Re: 2 Separate CA's Reporting Same Account.

I have the same issue...many of my old collections are showing up by multiple collection agencies?  Since I included all, the OC plus the CAs, in my chpt 7 (due to discharge this month-medical issues no judgements please) should I DV them or just leave them as they are included in my filing?

 

THANKS!

 


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Epic Contributor

Re: 2 Separate CA's Reporting Same Account.

Frequent Contributor

Re: 2 Separate CA's Reporting Same Account.

They are not showing either IIB or a zero balance?  I am confused, doesn't it have to be one way or the other?

 


Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge