When you dispute with the CRAs, it is the CRAs (not the CA in this case - FCN) that verifies the dispute, or updates or deletes it depending on what they find. Have you mailed the CA a DV letter?
A CA can report without owning the debt. They can report if they own or were assigned the debt.
Keep bugging the OC for info. I wouldn't worry about the differences in name; they are one in the same based on the company name of "Blue Casa". But keep bugging the OC and you'll eventually get to the bottom of that bit of info. Call and write.
Ignore the balance differences. IME some of my CRs rounded.
Debts can get sold and collected on long past SOL. SOL is based on state law and has nothing to do with reporting. I have one CA chasing after me even though SOL expired over 11 years ago. In my example, they cannot sue and they cannot report.
The CRAs can verify the info even if the debt transferred within the company. Even assuming it is two different and unrelated companies, the debt can still be verified (e.g. plenty of folks in here are stuck with baddies from the HSBC days now that CapOne took over).
Yes, send a DV CMRRR ASAP to the CA.
Even if the debt is bad, an acquiring company can take over that debt and can continue to report, or farm it out to collections.
Without googling, I think they were always one in the same company. If I start a company called Smallville Heating and Air, and register it in any given state as a corp., no other company from that state can have the same business name. Moreover, no other company can have a similar name (assuming Smallville isn't ubiquitous) like Smallville Air and Heating, or the like. Legally it cannot happen. However, if I start Smallville Heating and Air and start a subsidiary of Smallville Air and Heating, then I can transfer that company from entity A to B and record the sale price, stock transfers, etc. In other words, Blue Casa Telecom and Blue Casa COM were always the same company. They just trasitioned from pt. A to pt. B for whatever reason.
The CSR probably didn't mention the CA because if you paid the CA the $$$ would go back to the Telecom anyway. I think she was trying to cut them out. IME, I had a herd of debts when starting on here. Most all of the OCs refused to provide anything in writing. It's normal to deny a request like that. However if you keep it in wiriting only they have to respond via mail and that could produce some of the results you are looking for.
If the CA reports, mail the CA a DV. If they verify and you agree, then send the CA a PFD. If only the OC reports, then mail them a PFD. If you feel you disagree with the debt (e.g. balance), then ask in writing from both to provide a breakdown how they got to $x. Legally they don't have to provide all of that but it never hurts to ask. If you know the debt isn't yours, then call the police and get a report filed for ID theft. Then use that report to dispute it off.
