Look like a double listing

[Anonymous]

The collection agency "American Agencies" was hired to collect a debt of $233 originally owed to "Pb Pacbell" on account number "XXX1002".

Account Name: AMERICAN AGENCIES  
Account Number: XXXXXXX  
Acct Type: Unknown - Credit Extension, Review, Or Collection  
Acct Status: Closed  
Monthly Payment:   
Date Open: 9/1/2004  
Balance: $451.00  
Terms: 1 Month  
High Balance:   
Limit:   
Past Due: $451.00  
Payment Status: Seriously past due date / assigned to attorney,
collection agency, or credit grantor's internal collection department

Account Name: CBA COLLECTION BUREAU  
Account Number: 121XXXX  
Acct Type: Collection Department / Agency / Attorney  
Acct Status: Closed  
Monthly Payment:   
Date Open: 9/1/2003  
Balance: $233.00  
Terms: Unknown  
High Balance:   
Limit:   
Past Due:   
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department  

The collection agency "Cba Collection Bureau" was hired to collect a debt of $233 originally owed to "Sbc - Pacific Bell" on account number "XXX2155".

These look like the same collection but not sure what I should do... send a DV letter and then a PFD to CA? or should I send a PFD to OC?

Other problem is I dont see OC posted on credit report... might be from 2001 or 2002?

[Anonymous]

You can not DV an OC.

Pull your free reports from www.annualcreditreport.com and it should give DOFD on them or when they will be removed.

You can also call the CRA and ask.

[Anonymous]

ok say it drops off next year (possible but ill check website you posted) but I want to fix credit now instead waiting 1 year... so should I send a PFD letter to the CA that owns the account? or a PFD letter to OC?

Thanks for your response.

[Anonymous]

sbc-pacific bell-------- That is a telephone company right?

I think someone said that telephone bills have a 2 year SOL, so if that is true then SOL is expired. I'd send a DV to each one. That way you pay the correct one. Quite possible that neither own it anymore.

I only meant for you to get one from www.annualcreditreport.com if the one you have doesn't show when it is due to be removed.

Message Edited by sidewinder on 04-02-2008 10:36 PM

[Anonymous]

I think it was for DSL internet for SBC (telephone company).

Maybe that why I dont see SBC listed on credit report (myFico) but ill check with www.annualcreditreport.com

If SBC dropped it on credit report then what next?

Guessing.... I send DV letter to both CA and if they dont own then demand deletion? (new member.. but learning)

[Anonymous]

Check to see what your states SOL is:

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

If you DV and they no longer own, in my experience, they delete it on their own.

[Anonymous]

The OC - SBC Pacbell isnt listed on report (annualreport) but the CA info posted says 11/2009 to be removed... that kinda long time to wait.

So i'm thinking DV then send PFD letter.

[Anonymous]

hmm date  went to collection is 09/2004 and other is 9/1/2003 so im thinking the DOLA is earlier... and SOL of cali is 4 year... hmm

Message Edited by antsmith101 on 04-02-2008 11:23 PM

Message Edited by antsmith101 on 04-02-2008 11:25 PM

[Anonymous]

If going to be removed in 2009 then your DOFD(date of first deliquency) is in 2002. If you have never made any payments since DOFD, then SOL should be expired.

Date open means nothing really. That is probably the date that the CA aquired the account. The one with the most recent date is more likely to own the account.

I'd DV them and wait for the response.

[Anonymous]

DV both - if it has been sold  or returned to PacBell and reassigned the previous CA needs to remove it (only 1 CA can report at any time).  This way you will find out who is actually responsible and who you need to deal with.  Since you are past SOL a PFD to the responsible CA then -- pointing out that you are willing to wait for it to age off and that the ONLY way they will get payment is if they remove.