General question

[Anonymous]

Hi all,

My question is, If lets say I have a cell phone bill for $131.00 which was in collections with verizon, Then a CC tries to collect several years later, can they add a whole different line for the exact same account they may have bought? Here is what I'm referring to on my report:

PINNACLE CREDIT SERVICES L    Equifax TransUnion Experian

Account Type: 

Open    Installment  Account Number:  FX00XXXX   FX00XXXX

Payment Responsibility: 

Individual     Individual  Date Opened:  09/2008     09/2008 

Balance Date: 

04/2009     04/2009  Balance Amount:  $131     $131 

Monthly Payment: 

$0        High/Limit:  $131     $131  Account Status:  Collection     Collection  Past Due Amount:  $131     $131  

Comments: 

COLLECTION ACCOUNT      LAST REPORTED DELINQUENCIES: 04/2009=I ,03/2009=I ORIGINAL CREDITOR: VERIZON WIRELESS COLLECTION ACCOUNT  

This is the original account,

VERIZON WIRELESS - NY    Equifax TransUnion Experian

Account Type: 

Open      Account Number:  104XXXXXXXXXX    

Payment Responsibility: 

Individual        Date Opened:  04/2000       

Balance Date: 

04/2007        Balance Amount:  $131       

Monthly Payment: 

$0        High/Limit:  $131        Account Status:  Collection        Past Due Amount:  $131      

Comments: 

LAST REPORTED DELINQUENCIES: 11/2006=O9,09/2006=O9,08/2006=O9 CONSUMER DISPUTES THIS ACCOUNT INFORMATION CHARGED OFF ACCOUNT  

[llecs]

Both can report, but only one (the CA) can report a balance. I would DV the CA and call VZW. VZW has the power to recall this CA and calling them could facilitate that. It may be that Verizon Wireless sold it to Pinnacle. If that's the case, then you could get VZW to delete.

[Anonymous]

Thanks again these are the only 2 neg lines on my report. Scores at median of 624 and have been working to get back on track. Maybe buy a house this year.

[llecs]

VZW isn't all that unwaivering. Be very friendly and persistent with them. Calling them would provide you with a wealth of info, if you ask the right questions. I was able to get a PFD with them in part to the dozens of phone calls (and letters, faxes, and e-mails) I made to them.

[Anonymous]

What can I do if both the original company Verizon and the CA are both showing balances for the same account.

I just noticed that Verizon Wireless still shows a balance of $131.00 and the CA Pinnacle also states a balance of $131.00. Pinnacle even has a note stating its the Verizon Wireless bill thats charged off.

[llecs]

I'd still DV the CA and call VZW asking for info. Both cannot report a balance.

[Anonymous]

So Verizon wireless called me today and after speaking to them on the phone just yesturday, I used this number 1-800-760-4658 to call them, they called me back this morning and said the TL will be removed and its already been submited.. Nice.. All I said to them yesturday was there was a big misunderstanding and I was willing to pay right now in full she said she would check into it and then actually called me back this morning saying I had to pay nothing and it was being deleted. So does this mean Pinnacle will no longer be able to TL me and have to remove there TL? I'm DV'ing them as suggested.

THANKS VERY MUCH LLECS !!!!!

Message Edited by gregd64 on 05-14-2009 07:18 AM

[llecs]

Sounds like VZW sold the debt at one point and it ended up with Pinnacle. VZW has an SOP of deleting themselves if they sold the debt. You may have to deal with Pinnacle. I would hold off doing anything and wait a month or so. If Pinnacle is still reporting, then DV and offer a PFD if they verify.