Hmmm...something isn't right

[oceanlover]

I got my paper copy of my TU report in the mail and was looking over it. I noticed these accounts. They appear to be the same account to me.

Midland Credti Mgmt Inc   Account # 23456789

                                                                                                                  Balance: $256

Loan Type: Factoring Company Account                                  Date Updated: 01/2008

Remarks: Placed for Collection                                                  Original Amount: $256  

Date placed for collection: 07/2006                              Original Creditor: MCI Communications

                                                                                                                 Past Due: $256

Estimated date that this item will be removed: 10/2009                                

Pay Status: Collection Account

Account Type: Open Account

Responsibility: Individual Account

Park Dansan    Account # 23456789

                                                                                                                       Balance: $256

Loan Type: Collection Agency/Attorney                                       Date Updated: 05/2005

Remarks: Placed for Collections                                                       Original Amount: $189  

Date placed for collection: 04/2005                                   Original Creditor: 10 MCI Com. 4 LD         

Estimated date that this item will be removed: 02/2010      Past Due: $256

Pay Status: Collection Account

Account Type: Open Account

Responsibility: Individual Account

Park Dansan       Account # 23456789

                                                                                                                   Balance: $189

Loan Type: Collection Agency/Attorney                                   Date Updated: 10/2004

Remarks: No Forwarding Address                                               Original Amount: $189  

Date placed for collection: 04/2005                                      Original Creditor: MCI Com. 3 LD              

Estimated date that this item will be removed: 02/2010        Past Due: $189

Pay Status: Collection Account

Account Type: Open Account

Responsibility: Individual Account

LVNV Funding LLC   Account # 23456789

                                                                                                                              Balance: $329

Loan Type: Factoring Company Account                                              Date Updated: 01/2008

Remarks: Placed for Collections                                                             High Balance: $329          

                                                                                                                             Collateral:  12 MCI 

Estimated date that this item will be removed:  01/2010           Past Due: $329

Pay Status: Collection Account

Account Type: Open Account

Responsibility: Individual Account

Date Open: 06/2006

Obviously the 2 Park Dansan Accounts are the same, but the "past due" on Park Dansan and the "past due" on Midland is what makes me think that those two are the same. Then on LVNV the drop off date is awful close to Park Dansan's Drop off date, but the Balances are way off. I also happened to get a letter from Midland as well the same day. It states they are the current owner of the account.

The "no forwarding address" cracks me up. I have been where I am since Nov 2005. Before that I was at that address from Nov 2002-Nov 2005. Not only did I forward my mail, but have the same mail lady. Before that I was at an address I had been at since I was in Middle School. I had moved in/out over the few years since High School but had always remained using that address.

I do remember having a bill when I switched subscribers. However, I thought it was with my local provider. But I remember calling and asking for a full itemized bill that showed where all the charges came from b/c I didn't think the amount due was right. We hardly called long distance and we normally used prepaid phone cards to keep our bill low. I was told that I would have to pay $1 per page to get an itemized bill. That is when I told em if they couldn't prove to me how much I owed, I couldn't pay em. I refuse to pay someone to show me how much I owe. And I never thought no more about it.

I tried to line the rows up all nice and neat and typed it out in Microsoft Office Word and it looked fine there but couldn't get em straight here, sorry.

[Anonymous]

4 CA's for 1 debt- 

That is crazy and illegal -

Only 1 CA should be reporting and only 1 time- 

[Anonymous]

If push comes to shove-

I have some MCI stock that MCI BK'ed on me that you can sent them-  

More $ than you owe them-

[Junejer]

Ocean, what's your state's SOL? If past SOL, I would DV them all for full media validation. If near SOL, leave it alone.

[Anonymous]

Ocean, the same thing is happening to me--both Midland AND the original creditor are reporting at the same time.  Only on TU is it reporting as a collection; it's showing up as another open account on my credit report.

I've heard that Midland should "fall off" when the line from the OC falls off, but on my EX report, the OC account has been reaged, as has Midland.

I'd be really interested in hearing what approaches the general MyFico community thinks would be successful in fixing this!

[oceanlover]

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Timothy wrote:

4 CA's for 1 debt- 

That is crazy and illegal -

Only 1 CA should be reporting and only 1 time- 

---

I was thinking it was crazy too.

Isn't it also illegal to be reporting different DOFD? Isn't that what is called re-aging?

If they validate, I'll ask if they'll accept worthless stock...............LOL

Be nice if you could send them to collections and get your money, huh?

Message Edited by oceanlover on 02-18-2008 11:09 PM

[oceanlover]

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ByrdMan wrote:
Ocean, what's your state's SOL? If past SOL, I would DV them all for full media validation. If near SOL, leave it alone.

---

Written/Promissary- 10 years

Oral/Open - 5 years

Not sure where this falls.

If not past SOL, I think I am still going to DV.

Worst Case Scenario........They validate, refuse PFD, file suit, --in which I pay upon being served.

Best Case Scenario..........They can't validate-- they all get removed.

Is everyone with my thinking that these are all the same account?

[oceanlover]

Anyone know if there is a letter you'd send to  someone reporting wrong DOFD or how would you do that? Would that be something you file complaint to FTC on, dispute with CRA?