how to tell if CA is reporting as a factoring company

[hopefull700]

i have myfico CR and i am trying to verify how a CA is reporting?  I have an old report that Midland and LVNV was reporting as LOAN TYPE "factoring COmpany".  I thought this was disputed almost 2 years ago but I find they are still on my CR but the CR i have now does not show if its still reporting as factoring company.  Am i correct that a CA cannot report this way?

For some reason i cannot get the annual credit report so I will purchase one if you can tell me which CR is the best to purchase to get these details.  If i call the CRA will they tell me over the phone?

[Shogun]

A CA reporting as a factoring agent is not a violation.  A loophole yes, but not a violation.

[lavencedora]

Do be aware, however, that you can make a report to CFPB related to any unfair practice, regardless of whether it is techinically legal according to your understanding of the law. I just had Asset Acceptance removed based on a CFPB report I made, which specifically referenced what I believe is a DofFD violation and reporting lates as a CA, but also referred to terms, reporting as a factoring company, and any other reporting they are engaged in which falsely portrays the debt as new when it is over ten years old. The CFPB not only reviews the responsiveness of the OC or CA to your complaint, it keeps a database of problems consumers are having, shares that information with the FTC, and can use this to propose changes in the law in the future, if a practice is harming consumers regularly. 

A company can possibly technically call themselves a "factoring company" if they do some factoring, even if  they were actually a JDB on *your* debt. Nevertheless, this is one piece of an overall puzzle which ultimately mischaracterizes very old debt &, therefore, grossly misstates the current risk you pose to a credit provider. It's unscrupulous. If you can lump it with other reporting concerns, it's worth making a complaint so that the real world effect of this practice is continually on the radar of the watchdog agencies. 

Regarding just getting the information as to what they are reporting, I would try to call the CRA first. They may just tell you over the phone. If not, you can move on from there.