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How to remove a CA when working with OC

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EaglesFan2006
Established Contributor

How to remove a CA when working with OC

I am trying to dispute my credit report to remove a CA from there. I am working with the OC on the account, so the CA has no rights to it. What is the best way to dispute this? None of the online reasons really match with that. I printed out a form and am wondering what I should say. Should i keep it simple like 'CA has no rights to this account' ...at this piont the OC isn't reporting either, and i'd like to keep it that way if at all possible
Message 1 of 12
11 REPLIES 11
fused
Moderator Emeritus

Re: How to remove a CA when working with OC

What is this collection from? Paid or unpaid? Why do you think the CA has no rights to it?
Message 2 of 12
EaglesFan2006
Established Contributor

Re: How to remove a CA when working with OC

Because I am paying the original creditor....shouldnt that negate the CA??
Message 3 of 12
fused
Moderator Emeritus

Re: How to remove a CA when working with OC

No, not necessarily. Who is the OC and what is the debt?
Message 4 of 12
EaglesFan2006
Established Contributor

Re: How to remove a CA when working with OC

Creditor is Bank of America, and it's from a bank overdraft fee. 

 

I don't understand why the CA should stay on there if it doesn't have a right to the account any longer

Message 5 of 12
fused
Moderator Emeritus

Re: How to remove a CA when working with OC

Can you give us more details? Why do you think the CA has no business in this?
Message 6 of 12
EaglesFan2006
Established Contributor

Re: How to remove a CA when working with OC

If i am dealing with the original creditor, what business does the CA have.  They obviously don't own the account, nor can they collect on it since I am already paying the overdraft with Bank of America...I had a CA removed before because an account was transferred to a different CA, so that first CA no longer had anything to do with the account.  It seems to me right now that this CA is no longer part of the equation, and it doesn't seem fair to me to be punished twice for the same account on my CR

Message 7 of 12
fused
Moderator Emeritus

Re: How to remove a CA when working with OC

I would send the CA a DV (debt validation) letter if you're in a position pay (if you have to in full). You might want to read over This .
Message 8 of 12
EaglesFan2006
Established Contributor

Re: How to remove a CA when working with OC

I don't understand...why should I bother sending the CA anything.  The OC is handling the debt now, I am paying them.  As I see it they have no bearing on this account any longer, it's a matter between myself and the OC.  I'm pretty confused now.
Message 9 of 12
fused
Moderator Emeritus

Re: How to remove a CA when working with OC

You want it removed, DV first. Disputing with CRAs before sending a CA a DV letter is the wrong way to go.
Message 10 of 12
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