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Deleted on all but one credit report...?

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Anonymous
Not applicable

Deleted on all but one credit report...?

Long story short I have a repo on my credit that was sent to a CA. The CA that the repo was sold to gave it to another CA to collect (not sure why) The second CA harrassed and threatened me, so I filed a lawsuit against them (but not the originating CA who reports on my credit). Last week, the original CA deleted their entry on my credit report on all but one bureau. How do I get the last bureau to delete without waking a possible sleeping bear...?
PS I have never had contact with the original CA who reported the debt.
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Deleted on all but one credit report...?

Likely it’s just a lag time for that bureau - they may not all update on the same schedule.
Message 2 of 4
RobertEG
Legendary Contributor

Re: Deleted on all but one credit report...?

I assume that the first debt collector owns the debt, and has assigned collection authority to asecond debt collector for some reason.

There are multiple reasons why the owning debt collector may choose to use another assigned agent to conduct active collection, such as they might not be bonded to conduct business in your state of residence.

 

Pending, or even concluded, civil action based on violation of the harassment provisions of the FDCPA does not render the reporting of their collection invalid, and is not basis for requiring deletion of the reporting to the CRAs unless there is some provision in the court's ultimate civil judgment that orders the debt collector to delete all reporting. That is unlikely if the issue is their improper conduct of their debt collection activities rather than validity of the collection per se.

 

Reporting to all CRAs is totally optional, and deletion of reporting with one or more CRAs is not basis for requriing deletion with all.

The CRA to which they continue to report will not delete based on the fact that the debt collector has chosen to delete with another CRA.

Message 3 of 4
Anonymous
Not applicable

Re: Deleted on all but one credit report...?

It was not implied that the civil action renders them to not report. The question asked is how (if at all) do I get it off? I may have to pay it and if that is the case...so be it.
It's also my understanding that if a collection agency has no jurisdiction to report in your state, they also cannot report. Does anyone know anything about that?
Message 4 of 4
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