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Old 03-29-2011, 08:03 PM
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Default Incorrect Reporting on Credit report

There are 2 CAs on my credit report that are reporting for the same company which is Sprint. It iis for the same account. I got curious so I called the company that reported back in 2007. They told me they no longer have the account and that I need to contact Sprint to pay the balance and maybe they can get this off the CR. They reported this account as a joint account which is untrue. So because of the incorrect reporting info and them no longer owning the account, can I get them to delete this off the report? It is only on the TU report. Do I send them a letter?
The second CA is ER Solutions. Before joining this forum, I disputed in January. All the CRAs verfied the account and updated the account in January. What could possibly be my next step? I want them off my report because I'd like to buy a home within the year. I know that these will affect a lenders decision.

Also, I have a CA that is reporting on my credit report for an old utility bill back in 2004. I called to speak with the agency (i know bad idea) to find out about the account because it is showing up derogatory through EX but as included in BK for EQ. This is also showing up on EQ as a medical bill which it is not. I disputed the item a while back and it updated this month as still derogatory through EX. When I spoke to the lady, she said they never received my BK info from my attorney. But if that's the case, why is EQ showing that it was included in BK. What do I do with this? I'm confused. Can I get these deleted?
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Old 03-29-2011, 08:42 PM
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Call the Credit bureaus with the account numbers and explain they are duplicates. Typically the delete the duplicate on the spot. The most recent will usually remain.

WRT to the other.. do a DV letter. It appears to be beyond the SOL of limitations so you may want to do a SOL letter.
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#3
 
Old 03-31-2011, 09:23 PM
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If I understand your collection scenario, the OC referred the debt to CA1 for collection, and CA1 reported to your CR. Collection authority of CA1 was later terminated, either by the OC, or by sale of the debt by CA1, if they owned it, to another debt collector. Then a new CA2 reported to your CR.

There is nothing inherently improper about two debt collectors reporting on the same OC account/debt. At the time CA1 had collection authority, either by assingment from the OC, or purchase of the debt, they were authorized to post to your CR, Termination of their collection did not negate the accuracy of their prior reporting of the CA. Subsequent collection authority by CA2, again either through purchase or assignment of collection, authorized them to report their activity to the CRA. Nothing in the FCRA or the FDCPA prohibits two debt collectors from reporting to a CRA, or the deletion of a reporting by a CA1 based on later reporting by a CA2. I dont see them as duplicates. They are separate activities.
What cannot happen is for both to be simultaneously conducting debt collection activities.
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