I have several accounts on my credit file that were not paid a number of years back, but were written off by the creditors and accounts shown as closed. Right before the maximum length of time for a negative report to remain on my credit file expired, I found out that the account was sold to another collection agency, and the time period started all over again. Now, there's going to be another 7 years before this one clears my record. Is this legal, and do I have any recourse against the new creditor for doing this?
Similarly, I have some accounts that were actually paid off to a collection agency, and my credit report showed them as paid. But, now different collection agencies are showing them as unpaid from the original account holder as though they have purchased the account, and they are sending me letters of demand and calling my home. What can I do about these situations?
