REPORTING QUESTION

[Anonymous]

IF AN ACCOUNT WITH AN OC HAS BEEN SOLD TO A FACTORING CA CAN THE OC STILL REPORT ON THE CREDIT FILE? IT STATES SOLD WITH A ZERO BALANCE. 

[Anonymous]

yeah ... unfortunately the way the game is they both can report on it.  That's how it would be reported as well with a zero balance because it's sold to the CA.  You can however speak with the OC to confirm this.

[Anonymous]

thanks for the reply...the original oc was bought by a new company. This newer oc has sold it to a ca. I will contact the ca at some point to validate.

[Anonymous]

Don't forget to remind them that you are requesting the name and address of the original creditor by right as mentioned in fdcpa 809 (a) 5 and that until they have sent you proper validation they must cease all collection activities including reporting in respect to fdcpa 809 (b).

Good luck...

[Anonymous]

thanks for that heads up because i would not have known! 

[guiness56]

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@Anonymous wrote:

thanks for that heads up because i would not have known! 

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How old are these accounts?  Do you know the DoFD?

[Anonymous]

hey guiness...one is pretty old with citi and they could not find me through a call i placed to them. the other is maybe 5 yrs. but i'll have to double check. i started a dispute with trans for this ca with these accounts. you know my sol really stinks. maybe i should move??? jk  

[guiness56]

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@Anonymous wrote:

hey guiness...one is pretty old with citi and they could not find me through a call i placed to them. the other is maybe 5 yrs. but i'll have to double check. i started a dispute with trans for this ca with these accounts. you know my sol really stinks. maybe i should move??? jk  

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Why are you disputing them? 

[Anonymous]

i sense i did a bad thing here? i  never recieved anything on a ca from citi that i  recall and a ca is on my report. i am disputing sol. no? 

[guiness56]

A am sending you a PM.