Items that are posted and reported in your CR under the collections section are almost always those reported by third party debt collectors who have either been assigned collection authority by the OC or have purchased the debt from the OC.
They are not parties with whom you have a original credit contract/agreement. You dont accrue any reportable delinquencies with them, only the posting of their collection to your credit file. An OC who conducts their own, internal, in-house collection of their own debt is not, except under one rare circumstance, considered a debt collector under the FDCPA, and does not report to the collections segment of your credit file.
The exception, if you are interested, is when an OC uses a name other than their own, which implies to the consumer that they are another party.
I am not aware of any OCs who make that a practice, as doing so would subject them to all of the provisions of the FDCPA, such as the dunning notice and DV requirements. They normally dont want to do that.
On the issue of charge-offs, they are not accounts. In fact, they are not even an additional delinquency on the part of the consumer. They are simply a permissible reporting by creditors of an internal accounting measure they have taken... shifting of your debt over from a taxable, receivalbe asset to an uncollectible bad debt in their ledger. That reporting is permitted, and is totally unrelated to any other adverse items related to the account.
