Portfolio Recovery - questions

[Anonymous]

I got an alert today regarding this account.  I emailed a debt validation to them and they submitted a dispute?  Really confused.  Going to send it by CMRR tomorrow.  However this is what Fico reported the account looks like:  Can they report 120 day lates?  This was a walmart card that I'm trying to get cleared up.

Previously reported	Newly reported
Balance:	$283
Past due:	$283	$283
Status:	At least 120 days or more than four payments past due	At least 120 days or more than four payments past due
Last activity:	5/1/2013	5/1/2013
Description:	Collection account	Consumer disputes this account information Collection account

[dursty87]

When you send a debt validation you are technically "disputing" the validity of the debt.  You can call the CRAs to remove the comments if you would like.  And yes, they can report the status that was reported by the OC.  However they cannot report this in your monthly payment history like the OC could.

[kittywitty]

what do you mean as monthly payment history? they are reporting on my reports as an open account in collections and one of the reports says charged off. basically showing i have 2 charge off tradelines. they are not listed as a collection account. i disputed with the bureau's now getting ready to send 623 dispute letter.