Collection Acct Removed? Why?

[Anonymous]

So I just checked my report on creditkarma today, and one of my collections accounts was removed? I know that sometimes CA will sell accounts to other CA. However, I was planning to mail out TX DV letters to a few of my CA, and this was one of them...so should I still do that now? It just said that the account was removed, but only from my TU, it still shows on Experian.  This very same CA was removed from my report in January 2015 and was re-added at some point. So I do understand that they could just "re-add/report" again.

It is a medical debt, if that matters. I'd just go straight to the OC but the debt is from 2010, so I'm not sure that they'd be able to help at this point.  All advice is welcome, as I'm really just starting to work on CR.

[RonM21]

I'd say don't mail.anything out yet. Wait to see if it comes back up, or was sold to.another debt collector. For any given reason the collection may have been deleted and you won't hopefully have to worry about it anymore. Also, your score would increase a bit. 

[RobertEG]

Credit report deletion may or may not indicate that the debt collector no longer has collection authorty.

Credit reporting is separate from debt obligation, validity, or cease collection bars.

If you desired debt validation prior to the deletion from one CRA, I would still send.

The issues still remain as to desire to validate or impose a cease collection bar.

[Anonymous]

If it's still on any report send the letter.

[gdale6]

For unpaid medical debt that is reporting on your CR:

1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help