A DV'd debt is back on my report?

[Anonymous]

I filed a DV with a company about a debt that is not valid, As soon as they received the letter the debt was removed off my credit report. I never received a letter or anything from them. I look at my report today and the debt has returned only under a different company name.... I still have all the documentation etc that I sent the original company, the letter and the return receipts etc.

What to do, what to do.

[Anonymous]

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creditmonkey wrote:

I filed a DV with a company about a debt that is not valid, As soon as they received the letter the debt was removed off my credit report. I never received a letter or anything from them. I look at my report today and the debt has returned only under a different company name.... I still have all the documentation etc that I sent the original company, the letter and the return receipts etc.

What to do, what to do.

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If I had to guess, the CA that you DV'd no longer had the account so they removed it.

If the account is out of SOL or you can PIF, I would send DV letter to the company that reported.

[Anonymous]

I am almost positive they had the account, because they had called me to collect the day before they received the letter, I mean I know it's possible they sold it in the day period, but is there a way to find out the dates they held the account? Isn't it illegal to sell the account after you've been DV'd?

Message Edited by creditmonkey on 07-16-2008 09:17 AM

[Anonymous]

They can send the debt back to the OC, but can not transfer it to another CA.

The OC can then send it off to another CA.

[Anonymous]

send this new CA a DV  CMRRR

In the mean time file a complaint with the FTC......tell them your name addy & SS#.....On xx/xx/xx I received a phone call from CA name and addy & phone#.......I told them that it was NOT my debt & I knew nothing about it......the next day xx/xx/xx  I mailed a letter asking for validation of said debt. 5 later days I pulled my CR and this CA was removed & replaced by another CA name xxxxxxx.

As of today I have not received any validation from CC #1

The second CA xxxxxx  never called or sent me any notice and I have now send them a letter asking for validation.

You might need to file an IF theft report with the police....of got to the FTC site & get the form (some police dept. do not take these reports)

Message Edited by HappyDays on 07-16-2008 10:16 AM