topic Re: Two collection agencies reporting the same debt!? in Rebuilding Your Credit

Two collection agencies reporting the same debt!?

Anonymous — Fri, 13 Mar 2009 22:56:36 GMT

It appears I have 2 collection agencies reporting the same debt. I have NCO and AFNI reporting the same debt. Both say my DOLA is Jan. 07.

NCO says OC At T Formerly Cingular ~ DOLA Jan. 07' ~ Balance $134

AFNI says OC At T Formerly Bellsouth ~ DOLA Jan. 07' ~ Balance $133

What should I do?

Re: Two collection agencies reporting the same debt!?

Anonymous — Fri, 13 Mar 2009 23:59:10 GMT

Have you heard from either of them?

Can you PIF?

Look at your reports and look at reported/updated date. Who reported/updated last?

Re: Two collection agencies reporting the same debt!?

Anonymous — Sat, 14 Mar 2009 00:34:54 GMT

@Anonymous wrote:
It appears I have 2 collection agencies reporting the same debt. I have NCO and AFNI reporting the same debt. Both say my DOLA is Jan. 07.

NCO says OC At T Formerly Cingular ~ DOLA Jan. 07' ~ Balance $134
AFNI says OC At T Formerly Bellsouth ~ DOLA Jan. 07' ~ Balance $133

What should I do?

I didn't think they could report unless they contacted you first and/or you didn't respond to dispute the charge. Also they shouldn't be able to BOTH report under different names like this, this is the case of unethical collections run amuk. Anyway, do what sidewinder says and send them a letter and say what the heck and see where it takes you.

Re: Two collection agencies reporting the same debt!?

Anonymous — Sat, 14 Mar 2009 01:17:06 GMT

I haven't heard from either of them, that I can remember anyway. Both are currently being reported. I can PIF, but not to both of them.

Re: Two collection agencies reporting the same debt!?

Anonymous — Sat, 14 Mar 2009 01:27:00 GMT

@Anonymous wrote:
I haven't heard from either of them, that I can remember anyway. Both are currently being reported. I can PIF, but not to both of them.

I would say before you do that, find out what it is and if its legit and I would contact BOTH of them. But that's just me.

Re: Two collection agencies reporting the same debt!?

Anonymous — Sat, 14 Mar 2009 03:29:30 GMT

I understand they are both currently reporting, but what is the last updated/reported date for each entry?

I would send both of them a DV CMRRR. Keep it short and simple, see the link below.

Re: Two collection agencies reporting the same debt!?

Anonymous — Sat, 14 Mar 2009 04:49:27 GMT

@Anonymous wrote:
I understand they are both currently reporting, but what is the last updated/reported date for each entry?

I would send both of them a DV CMRRR. Keep it short and simple, see the link below.

Agreed, don't just pay if off, first hit them up and as sidewinder said, KISS (my emphasis), keep it simple, don't give them anything more than bare minimum to locate and respond. If they don't respond in time, you should even be able to get it removed.

Re: Two collection agencies reporting the same debt!?

iwant700fico — Sat, 14 Mar 2009 16:07:20 GMT

DV both of them and one will drop off, I had the same thing with AFNI and NCO. Its such small amount I would PFD it once you know who owns your debt.