Same Collection With 2 Collection Agencies

[bass_playr]

I'm aware of what the OP said.  I said "in either event" to provide additional info. 

Note that I said "if they both show up on your credit at the same time", as opposed to "they are both on your credit".  I was not confused, I'm sorry if my response was confusing.

[Dawnnjoness]

So would i be able to dispute Vance & Huffman given they've sold the debt to a new agency? If this is the case Vance & Huffman shouldn't be reporting correct?

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@Brian_Earl_Spilner wrote:

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@bass_playr wrote:

Yes, it is possible but not as likely that V&H would both collect on it themselves and hire an outside company to do it at the same time.  That doesnt make sense.  

In either event, if both V&H and this other collector show up on your credit at the same time that is an issue I would dispute.  The only time it's lawful for two entities to report the same debt at the same time is when the OC is reporting and the current debt collector is also reporting.  When a third party debt collector stops collecting on that account they no longer have a permissible purpose to be on your report, though the original creditor still does.

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They're not both reporting per the op. Vance is reporting and they just started getting letters from another agency. It could simply be that it was acquired by Vance through a portfolio purchase and they then turned around and sold it. I've had it happen to one of my collections. 

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[bass_playr]

You can always dispute, though its not always a good idea.  If you have confirmation from V&H that they no longer have the account, I would dispute with the CRAs because as they no longer have the account and are not the original creditor, they no longer have permissible purpose.