Capital One Charge off and the mysterious CA account for same debt

[amieric]

Hello, 

Hope somebody can help me. I have a capital one charge off from 2008; most recently within the last few years i have been trying to fight this collection agency that has bought the debt from capital one. Here is the thing, I have the Cap1 charge off and the CA charging me off simultaniously.. Neither Capital One or the CA will remove one or the other - what can I do? Which has the most impact on my credit report - the Cap1 or the CA reporting the same debt? I want to get one of them off, if not both - its unfair that i have same debt charged off, I even try and dispute it and nothing happens. I am at a loss - i cant rebuild if i keep getting torn down, you know? Thoughts, comments and ideas are GREATLY welcomed. I would appreciate it.

[llecs]

Both are allowed to report at the same time. Are both reporting an active balance, or is one at $0?

[amieric]

Capital 1 is showing $0 and the other one is reporting the full balance of the charge off

[Shogun]

Then they are in fact reporting correctly.

[amieric]

well i am not disputing the charge off so much as the duplicate. How can Cap1 charge me off and then get another collection account for the same debt? i feel like that is double dipping. maybe i am just not understanding the logic. i consider myself pretty smart, but this credit reporting and scoring sometimes is over my head.  

[Shogun]

Cap1 was the OC, they have COd the account as a loss and now the CA has it for collection.  Even  if you pay the CA, the OC and the CA can still report.

[amieric]

Fair enough - I can afford the charge off amount (now lol) if I were to attempt a pay for deletion letter whom (OC or CA) should I attack first to do this? My goal is for both to delete. That would raise my score exponentially.

[llecs]

The only thing you can do for CapOne, aside from waiting, is to send them a GW letter. It's a long shot but there's nothing much to lose.

For the CA, I'd send a DV letter to the CA. If they verify and I agreed, then I'd send a PFD. If they agree in writing, then pay it and they'll delete.

[RobertEG]

It's not duplicate reporting of the debt.  The OC is reporting no debt due to them, as reflected in the $0 balance.

You have reporting of escalating/different actions that have occured along the path of attempting to collect the deliquent debt.

It is proper to have multiple adverse reportings on the same debt.