I Poked The Bear With A PTD Letter. Now What?

[Anonymous]

I sent out a few PTD letters to see how it would work out. One of them was to Portfolio Recoveries Associates for a Capital One debt. It was previously listed on my CR as a Capital One debt sold to PRA. A couple of days after they must have received my PTD letter PRA added their own collections account for the same debt. So now the same debt is recorded twice. Is there anything I can do?

[eric19k]

One of the collections should list $0 balance. If the amounts are the same then just dispute it

[MrCrabs]

If you have a smart phone use or download a call recorder, let them know you're also recording and get them to agree to do a pfd over phone. Faster and easier than snail mail, email, etc.

[RobertEG]

If I am reading the scenario correctly, the OC was reporting and sold the debt, and now the debt collector is also reporting.

If that is the situation, it is proper, and not duplicate reporting.

The OC is reporting actions such as derogs while they owned the debt, and then their sale.  They should, upon sale of the debt, update the balance on debt owed to them to $0. 

The debt collector reporting is separate, and reflects the fact of their current collection on the debt.

[Anonymous]

Thanks.

I'm peeved since PRA weren't reporting it and it's been over a year. But seems that this is correct then. Ugh! 

I'm not confident enough yet to deal with these things over the phone. I'm worried I may say the wrong thing.