can a collection agency report this?

[Anonymous]

Does a collection agency have the right to report on an account that was paid in full to the oc? i have 2 very small collections both less that 60.00 that i paid to the oc. the oc notified the ca that they were paid but how can they still report on something that is not collectable by them.  the oc did not put any thing on my reports only the ca. i really need these 2 things off of my report if at all possible any suggestions would be greatly appreciated. The ca are state collections and ic systems.   

[TryingVeryHard]

Did the CA get the account after being paid? Or was it before being paid?

[Anonymous]

it was before being paid, but the original creditors agreed to take the payment. i didnt know about pfd at the time so i agreed to pay them.

[Junejer]

DV the CA. They can't possibly validate, then dispute with the CRAs. Never sign the DV, just type your name and send CMRRR.

CERTIFIED MAIL #: _______________________________________________________
Your Name
Your Address
YourTown,, State ZipCode

Debt Collection Company Name
Their address
Town, State ZipCode

Date:

Re: Debt Collection Company Name; Acct # Debt Collection Company #; Original Creditor Name; OC Acct #

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay Debt Collection Company Name for this alleged debt.

All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to Debt Collection Company Name for this alleged debt:

• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract Debt Collection Company Name purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between Debt Collection Company Name and myself, signed by me, stating that I have a contractual responsibility to Debt Collection Company Name for the alleged debt
• Provide proof that Debt Collection Company Name is bonded/Licensed for debt collecting in the State of Your State

Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims Debt Collection Company Name is asserting regarding this alleged debt. If Debt Collection Company Name can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the Debt Collection Company Name. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.

If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information, and during such time, all collection activity must cease and desist.

I am also stating, in writing, that no telephone contact be made by your offices. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.

Best Regards,

Your Name

[Anonymous]

Thanks for the letter, but please dont be annoyed but how does this apply to a paid collection since they arent trying to collect on it, they are just listing on my credit report that it is paid. since i paid it wouldnt that be validation enough and then how would i dispute it with the cra?

[Anonymous]

To be able to report it they must have ownership of the account as a legitimate debt sold to them from the OC.

Even if they are acting on behalf of the OC both cannot report it as the same debt.

I would request both to the CA and the OC to delete the record as paid in full from your report. Be nice and they might as they already have their money.

They can report it out to 7  years from the date of the first deliquency.