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I have an unpaid collection for Fingerhut. It is on my credit report multiple times. It is negative under Metabank, Webbank, and Midland. It looks like the debt has been sold twice and Midland is the most current owner. Do I just go ahead and pay Midland? And if I PIF, do I then GW all 3 companies?
I would start off by sending DV letters to all 3 CA's. If the first 2 no longer own the debt and can't verify they own the debt they will be forced to remove it from your credit report. After that I would contact FingerHut directly and see if you offer them a PFD if they will then pull the debt back from the CA and remove the TL entirely.
Thank you!! That was very helpful information!!
I have sent DV letters to MEtabank, WEbbank, Citbank and Midland.
Webbank & Metabank came back saying that the debt was valid with them.
Citbank came back saying they don't have control over Fingerhut accounts and that I should contact Webbank.
Midland does in fact own this now and I want to PFD them to get this over with but I am going crazy!
How can 4 companies be claiming the same debt and why won't any delete them?
What does this mean?
The following changes were reported for your FINGERHUT/WEBBANK account :
Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process , Account transferred or sold , Charge off account , Trsf/Sold
These are all for the same accounts:
CLOSED ACCOUNTS:
Fingerhut/Metabank 8/22/09 Balance $0 CHARGE-OFF $296
Fingerhut/WEbbank 8/22/09 Balance $0 CHARGE_OFF
CITBANK/FINGERHUT 2/20/13 Balance $0 PAYS AS AGREED $135
COLLECTION ACCOUNT:
Midland 5/21/13 Balance $372 COLLECTION ACCOUNT
DV would only work with the CA, Midland in this case. Do a direct dispute with the others, they are the OCs. It should only be listed once under an OC. There cannot be multiple OC listings for the same account.
How do I do a dispute? THrough the CRA?