Possible Duplicate Entries. Should I Dispute?

[Kesh]

Hello All,

I need a little assistance with what I believe are duplicate entries by a creditor. Let me begin by stating I did in fact open ONE wireless account back in Feb. 2008, which I later closed. The account numbers are the same, which I removed. Also, I have not made contact or made a payment so I am unsure why there is a Feb 2011 date. Below is the information that appears on my credit report:

Entry #1

VERIZON WIRELESS-MID ATLAN

PO Box 761

Attn;Customer Financial Sr

Bedminster, NJ-079210761

Account Number: XXXX

Status:

Account Owner: Individual Account. High Credit: $94

Type of Account :

Open Credit Limit:

Term Duration:

Terms Frequency:

Date Opened: N/A

Balance: $94

Date Reported: 01/2011

Amount Past Due: $94

Date of Last Payment:

Actual Payment Amount:

Scheduled Payment Amount:

Date of Last Activity: N/A

Date Major Delinquency First Reported: 06/2010

Months Reviewed: 28

Creditor Classification:

Activity Designator: N/A

Charge Off Amount:

Deferred Payment Start Date:

Balloon Payment Amount:

Balloon Payment Date:

Date Closed:

Type of Loan: Telecommunication/Cellular

Date of First Delinquency: 01/2008

Comments: Collection account

Entry #2

VERIZON WIRELESS - NY

2000 Corporate Dr

Orangeburg, NY-109622634

Account Number: XXXX

Status:

Account Owner: Individual Account. High Credit: $94

Type of Account : Open

Credit Limit:

Term Duration:

Terms Frequency:

Date Opened: 01/2008

Balance: $94

Date Reported: 03/2011

Amount Past Due: $94

Date of Last Payment:

Actual Payment Amount:

Scheduled Payment Amount:

Date of Last Activity: N/A

Date Major Delinquency First Reported: 02/2011

Months Reviewed: 1

Creditor Classification:

Activity Designator: N/A

Charge Off Amount:

Deferred Payment Start

Date:

Balloon Payment Amount:

Balloon Payment Date:

Date Closed: Type of Loan: Telecommunication/Cellular

Date of First Delinquency: 02/2008

Comments: Collection account

Any recommendations would be greatly appreciated. Thanks in advance!

[RobertEG]

My guess is that Verizon Mid Atl transferred the delinquent account over to Verizon NY, and that they are in fact the same account?

What you have not provided are the delinquencies and derogs reported under the account at the various times.  Was there, in fact, reporting of duplicate derogs?

[Kesh]

Entry #1

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2010 CO CO CO CO CO CA CA CA CA CA CA CA

2009 * CO CO CO CO CO CO CO CO CO CO CO

2008 CO * * * * * * * CO CO CO CO

2007 * * * * * * * * * * * *

2006 * * * * * * * * * * * *

2005 * * * * * * * * * * * *

2004 * * * * * * * * *

Entry #2

81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2011 * CA

2010 * * * * * * * * * * * *

2009 * * * * * * * * * * * *

2008 * * * * * * * * * * * *

I copied and pasted to the best of my ability.

[llecs]

I'd get on the phone with VZW and ask them to delete one of them. The number I'd call could be listed on the CR(s). Be friendly and cordial and take notes on the heirarchy and departments. Eventually you'll find the right person. I called them monthly for a year asking for a PFD and everyone said the buck stopped with them, however it wasn't true and eventually I found the right department via a PFD letter...took a herd of tries though.

[Kesh]

Thanks llecs that's very encouraging.

Question: When you finally reached the right department did how did they handle the PFD? Did they agree and offer to send a written correspondence first; or was it a leap of faith that they would honor their commitment/agreement over the phone? I'm trying to make sure I approach this correctly.

[llecs]

---

@Kesh wrote:

Thanks llecs that's very encouraging.

Question: When you finally reached the right department did how did they handle the PFD? Did they agree and offer to send a written correspondence first; or was it a leap of faith that they would honor their commitment/agreement over the phone? I'm trying to make sure I approach this correctly.

---

I had an unpaid debt for $427 IIRC. I offered 100% via a written PFD letter as much as 10-12x/month. Along with that, I called and welcomed a "No" because they always fed me more and more info each time I called via fax numbers, e-mails, more addresses, phone numbers, etc. I did that for a year or so and took notes and documented EVERYTHING. I even reached the same person on more than one occassion and that helped solidify pseudo-friendships by which to get more info. Finally, I got a suggestion from a mod to send a PFD via planetfeedback.com. I then got a phone call and it was from their executive offices. I recall his first comment was that "you've been sending a lot of letters" and went on to explain that they accepted it two months previously (note: they did call then a couple times, but never left a message and when I called back that same number from the callerID, they reiterated a "no"). Anyway, the exec asst approved the PFD over the phone. I asked for it in writing and he offered to e-mail. That day I recieved his e-mail and I leaped at the chance to pay via a CC over the phone and that was that. It was gone within a week, over a year after first trying.