topic Re: Duplicates on CR? in General Credit Topics

Duplicates on CR?

jschaffer — Wed, 05 Sep 2007 17:56:09 GMT

How do you properly handle duplicate entries on your CR?

Thanks in advance!

Re: Duplicates on CR?

fused — Wed, 05 Sep 2007 18:00:17 GMT

What is reporting twice? Details.

Re: Duplicates on CR?

jschaffer — Wed, 05 Sep 2007 18:05:26 GMT

Back in like 1996 I had a cell phone with ATT that I lost due to unemployment. It is a valid collection. However I completely forgot about it, and then when Cingular took over ATT, they listed it as well, while still leaving the ATT collection on the report.

Now that ATT has taken back over again, I now have 3 collections for the same account on my report!!! How do I kill the duplicates, so that I can just work with the one valid collection?

Re: Duplicates on CR?

fused — Wed, 05 Sep 2007 18:10:28 GMT

Can you guess when the DOFD (date of first default; when the account went 180 days late) was? Also which state do you live? These questions will determine if the collections are too old to report and your SOL (statue of limitations).

Re: Duplicates on CR?

jschaffer — Wed, 05 Sep 2007 18:18:53 GMT

I live in Texas where the SOL is 4 years, this debt is definitely old. But as far as I know they can still try to collect right?

At the same time, I noticed that multiple times over the course of time with many different 3rd party collectors touching these accounts the DOLA's have been changed quite frequently, and it also seems the DOFD might have been changed at some point in there too maybe?

The more I think about this account the more upset I get.

Re: Duplicates on CR?

Anonymous — Wed, 05 Sep 2007 18:24:48 GMT

jschaffer wrote:
I live in Texas where the SOL is 4 years, this debt is definitely old. But as far as I know they can still try to collect right?

At the same time, I noticed that multiple times over the course of time with many different 3rd party collectors touching these accounts the DOLA's have been changed quite frequently, and it also seems the DOFD might have been changed at some point in there too maybe?

The more I think about this account the more upset I get.

Dispute with all CRA all accounts that are showing.

At the same time send a letter to each CA telling them that the debt is past CRTP and that they have 1 day do remove it from your CR or you will take legal action! CMRRR

Re: Duplicates on CR?

jschaffer — Wed, 05 Sep 2007 18:29:00 GMT

@Anonymous wrote:

@jschaffer wrote:
I live in Texas where the SOL is 4 years, this debt is definitely old. But as far as I know they can still try to collect right?

At the same time, I noticed that multiple times over the course of time with many different 3rd party collectors touching these accounts the DOLA's have been changed quite frequently, and it also seems the DOFD might have been changed at some point in there too maybe?

The more I think about this account the more upset I get.

Dispute with all CRA all accounts that are showing.
At the same time send a letter to each CA telling them that the debt is past CRTP and that they have 1 day do remove it from your CR or you will take legal action! CMRRR

Just for my FYI, while the SOL is 4 years, things like this are still allowed to show up for 7 years on your CR right? I just looked at my CR again and the account didn't first go delinquent until some time later and it looks like I have about 6 more months to go until I reach the 7 year mark.

Re: Duplicates on CR?

fused — Wed, 05 Sep 2007 18:34:17 GMT

@jschaffer wrote:

@Anonymous wrote:

@jschaffer wrote:
I live in Texas where the SOL is 4 years, this debt is definitely old. But as far as I know they can still try to collect right?

At the same time, I noticed that multiple times over the course of time with many different 3rd party collectors touching these accounts the DOLA's have been changed quite frequently, and it also seems the DOFD might have been changed at some point in there too maybe?

The more I think about this account the more upset I get.

Dispute with all CRA all accounts that are showing.

At the same time send a letter to each CA telling them that the debt is past CRTP and that they have 1 day do remove it from your CR or you will take legal action! CMRRR

Just for my FYI, while the SOL is 4 years, things like this are still allowed to show up for 7 years on your CR right? I just looked at my CR again and the account didn't first go delinquent until some time later and it looks like I have about 6 more months to go until I reach the 7 year mark.

This seems unlikely. Didn't you default well before the new millenium?

Re: Duplicates on CR?

jschaffer — Wed, 05 Sep 2007 18:49:58 GMT

I thought I had defaulted before 2000, but the dates they're showing don't match that.

Re: Duplicates on CR?

Anonymous — Thu, 06 Sep 2007 15:35:12 GMT

I have duplicates on my CR as well. I didn't notice this until just a few minutes ago. I have two accounts with Sears that have been in collections for several years. I think the last time I sent a payment was 2002 or 2003. I don't have any records anymore. Anyway, I called Sears and they were able to refer me to Citibank's collection's department, who let me know of the collection agency handling my account. I'm looking at my credit report and the agency that Citibank named isn't on my credit report, but LVNV Funding, Sears/CBSD, and CBUSASears are. I've already sent a DV letter to the collection agency that Citibank named (RCS). Do I send a DV letter to the others as well? Do I dispute with all four? There should only be two accounts...one was a Sears card and the other a Sears Plus account, but there are several different amounts on my credit report. I'm not sure how to proceed.

Thanks.

[OOPS! FURTHER RESEARCH INTO LVNV FUNDING FOUND IT'S A PARENT COMPANY OF RCS...SO NO DUPLICATES! PLEASE DISREGARD POST.]

Message Edited by hschiel on 09-06-2007 08:35 AM

Re: Duplicates on CR?

fused — Thu, 06 Sep 2007 04:30:24 GMT

jschaffer wrote:
I thought I had defaulted before 2000, but the dates they're showing don't match that.

Why don't you copy and paste all of the info on these TLs so we can look at it.

Re: Duplicates on CR?

Anonymous — Thu, 06 Sep 2007 06:35:31 GMT

look at your CR EX and TU do you see drop off date...if so what does it say??

They can always try & collect no matter how old it is....They CAN NOT report after 7 years....in fact there is a 90 day limit when they MUST report.. In other words the OC must report CO no later then 90 days after CO......this keeps them from extending the 7 yr drop off.

They can NOT file suit after 4 years.

Message Edited by HappyDays on 09-05-2007 11:35 PM

Re: Duplicates on CR?

Anonymous — Thu, 06 Sep 2007 06:43:35 GMT

hschiel wrote:
I have duplicates on my CR as well. I didn't notice this until just a few minutes ago. I have two accounts with Sears that have been in collections for several years. I think the last time I sent a payment was 2002 or 2003. I don't have any records anymore. Anyway, I called Sears and they were able to refer me to Citibank's collection's department, who let me know of the collection agency handling my account. I'm looking at my credit report and the agency that Citibank named isn't on my credit report, but LVNV Funding, Sears/CBSD, and CBUSASears are. I've already sent a DV letter to the collection agency that Citibank named (RCS). Do I send a DV letter to the others as well? Do I dispute with all four? There should only be two accounts...one was a Sears card and the other a Sears Plus account, but there are several different amounts on my credit report. I'm not sure how to proceed.

Thanks.

Hschiel

Please start another thread so that everyone can see it. It is almost impossable to help more then 1 person on the same thread. It can get very confusing.

When you sign in look at left site where it says NEW MESSAGE then enter your title (something like what do to about Duplicate CA posting<

Message Edited by HappyDays on 09-05-2007 11:43 PM

Re: Duplicates on CR?

jschaffer — Thu, 06 Sep 2007 14:29:17 GMT

@fused111 wrote:

@jschaffer wrote:
I thought I had defaulted before 2000, but the dates they're showing don't match that.

Why don't you copy and paste all of the info on these TLs so we can look at it.

It's a paper report, I didn't order it online. I'll just have to type what's in it.

CSC provided this report, so I'm not even sure how it stacks up to the actual information the CRA's have.

Also, one thing that immediately stood out to me too, is that the account numbers are different. Is that normal? Is that ok?

Also, notice how the dates between the 2 collections don't even match.

Collection:
Date Reported: 02/2003
Date Assigned: 06/2002
Collection Agency: NRSLTD
Original Creditor: For ATT Wireless
Original Amount: $1183
Current Balance: $1183
1st Deliq. Date: 05/2002
Classification:
Balance Date:
Status Date:
Last Paid Date:
ECOA: 1
Account: 13XXXXX
Status: UNPAID
Comments:

-----------------

Collection:
Date Reported: 07/25/2007
Date Assigned: 03/31/2005
Collection Agency: Cavalry
Original Creditor: For Cingular Wireless
Original Amount: $1183
Current Balance: $1183
1st Delig. Date: 11/12/2001
Classification: RETAIL
Balance Date: 07/25/2007
Status Date: 07/25/2007
Last Paid Date:
ECOA: I
Account: 68XXXXX
Status: UNPAID
Comments: Collection account, consumer disputes this account information.

Re: Duplicates on CR?

jschaffer — Fri, 07 Sep 2007 19:22:47 GMT

Hello? Anybody?

Re: Duplicates on CR?

Anonymous — Fri, 07 Sep 2007 19:55:31 GMT

@jschaffer wrote:

@fused111 wrote:

@jschaffer wrote:
I thought I had defaulted before 2000, but the dates they're showing don't match that.

Why don't you copy and paste all of the info on these TLs so we can look at it.

It's a paper report, I didn't order it online. I'll just have to type what's in it.

CSC provided this report, so I'm not even sure how it stacks up to the actual information the CRA's have.

Also, one thing that immediately stood out to me too, is that the account numbers are different. Is that normal? Is that ok?

Also, notice how the dates between the 2 collections don't even match.

Collection:
Date Reported: 02/2003
Date Assigned: 06/2002
Collection Agency: NRSLTD
Original Creditor: For ATT Wireless
Original Amount: $1183
Current Balance: $1183
1st Deliq. Date: 05/2002
Classification:
Balance Date:
Status Date:
Last Paid Date:
ECOA: 1
Account: 13XXXXX
Status: UNPAID
Comments:

-----------------

Collection:
Date Reported: 07/25/2007
Date Assigned: 03/31/2005
Collection Agency: Cavalry
Original Creditor: For Cingular Wireless
Original Amount: $1183
Current Balance: $1183
1st Delig. Date: 11/12/2001
Classification: RETAIL
Balance Date: 07/25/2007
Status Date: 07/25/2007
Last Paid Date:
ECOA: I
Account: 68XXXXX
Status: UNPAID
Comments: Collection account, consumer disputes this account information.

OK both should be past SOL........If Im not mistaken ATT is also Cingluar...this is dup reporting....UNLESS you have had 2 accounts.

Notify CRA that it is DUP reporting'

look at CR from EX and TU there is a place that they will give you drop off date.

DO NO LOSE this hard copy as you might need it in a few years! It is your proof of DOFD.

If you can't find it call CRA & they will give it to you BUT...I would follow up and get it in writting from CRA by sending a latter CMRRR and asking for it!

DISPUTE both on all CRA that they are showing. They might just drop.

IF it comes back verified....send DV letters CMRRR.....

After filing a dispute you will receive a new CR from each CRA that you disput with....this will have drop off date. IF needed here is a DV letter....make all changes where needed!!!!!

FILE DISPUTES FIRST!!!!!

Jones Collection Agency

222 1st Street

Noplace, FL33333

Re: Account #: 5555555

Original Creditor: Smith & Smith Corp

Dear Sir or Madam:

This letter hereby notifies you that the validity of this debt is in dispute. In an attempt to validate this debt, I am requesting evidence of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such substantiation, under federal and state law you must correct any erroneous reporting to any and all credit reporting agencies

In accordance with Section 809 of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and corresponding case law, please provide me, in writing, the following information:

A copy of the alleged original contract or other instrument bearing my signature
Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account
Evidence of your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter
Evidence that your company is registered as a consumer collection agency in the State of Florida

Additionally, until full validation is provided, all representatives of your company, or any affiliated company, must immediately cease & desist all attempts to collect the aforementioned debt. Failure of your company to comply with this request will be a violation of the Fair Debt Collection Practices Act and will directly result in a complaint filed with the Federal Trade Commission and the State of Florida Attorney General's office. Please be advised, should this request be violated, I will pursue all criminal and civil claims, including any and all punitive damages, allowable by federal and state law against your company.

Failure to respond, in writing, and in a timely manner, will serve as a waiver to any and all of your claims in this matter and that this matter is permanently closed. Please provide the requested information or correct your records and immediately request the removal of this invalid debt from all sources to which you may have reported.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be retained should further action become necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your timely response.

Best regards,

Jane Doe

NEVER talk to a CA or sign your name to a letter to any CA!!!!!!!!!!!!! just type everything & send CMRRR

Re: Duplicates on CR?

jschaffer — Tue, 18 Sep 2007 15:57:24 GMT

I can't dispute the one with Calvary anymore because they won't remove it. I've disputed it so often that they listed on the account "consumer disputes this account information."

So what can I do now?

Also, the first delinquent date shows 11/2001 for one, and 05/2002 for another. Are those the DOFD's? Or are those delinquencies with the CA's so my DOFD is probably earlier?

Re: Duplicates on CR?

jschaffer — Sat, 10 Nov 2007 18:05:20 GMT

BUMP... anyone?

Bueller...Bueller...Bueller...???

Re: Duplicates on CR?

jschaffer — Wed, 14 Nov 2007 17:21:54 GMT

Bump again...

I can't dispute the one with Calvary anymore because they won't remove it. I've disputed it so often that they listed on the account "consumer disputes this account information."

So what can I do now?

Also, the first delinquent date shows 11/2001 for one, and 05/2002 for another. Are those the DOFD's? Or are those delinquencies with the CA's so my DOFD is probably earlier?

Anyone? Please?

Re: Duplicates on CR?

jschaffer — Fri, 16 Nov 2007 05:21:15 GMT

Is anyone able to help answer my last 2 questions? Please?

Thanks in advance!