Original SYNCB/AMAZON PLCC Account deleted but collection on file PORTFOLIO RECOVERY

[purvish10]

I had an amazon store card from synchrony which was closed with a balance and ended up in a collection, long story short that account was recently deleted from my credit report but the collection is still on there, is it possible to get rid of the collection since the original creditor has removed the account completely from my file? 

"SYNCB/AMAZON PLCC

Account Removed From Report
Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score.
Between November 10, 2019 and December 16, 2019, your credit card with SYNCB/AMAZON PLCC was removed from your credit report."

PORTFOLIO RECOVERY
Last reported Dec 08, 2019
$4,283
Reported balance
Original balance
$4,367
You owe 99% of the original balance
OVERVIEW
Opened
Sep 19, 2017 (2 yrs, 3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Dispute resolved; customer disagrees
Original creditor name
08 SYNCHRONY BANK

[thornback]

Hi Purvish, welcome to the forums!

They won't remove the collection just because the original creditor removed their tradeline. The debt is still owed and so long as the collection agency has either been granted collection authority by the creditor, or purchased the debt from the creditor, they can report.

Good thing is Portfolio has a stated policy to delete their collection tradeline after payment (either in full or settled) so long as the original debt is at least 2 years old. So... consider contacting them.

[OmarGB9]

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@thornback wrote:
Hi Purvish, welcome to the forums!

They won't remove the collection just because the original creditor removed their tradeline. The debt is still owed and so long as the collection agency has either been granted collection authority by the creditor, or purchased the debt from the creditor, they can report.

Good thing is Portfolio has a stated policy to delete their collection tradeline after payment (either in full or settled) so long as the original debt is at least 2 years old. So... consider contacting them.

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Everything @thornback said is good, I just wanted to chime in, the debt does NOT have to be 2 years old in order for PRA to delete it (that's Midland Credit Management that has the 2 year policy). So long as it's PIF or settled, PRA will delete, regardless of age.

[thornback]

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@OmarGB9 wrote:Everything @thornback said is good, I just wanted to chime in, the debt does NOT have to be 2 years old in order for PRA to delete it (that's Midland Credit Management that has the 2 year policy). So long as it's PIF or settled, PRA will delete, regardless of age.

Thanks for the correction!!  I always mix those two up 

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