I sent a Request for Investigation to OC aksing them to provide reasons why 3 different amount were being reported to the 3 CRAs. They responded saying they had no record of my account because it had been sold to a CA (who are not listed anywhere on my CRs) This OC's listing still remains on all my CRs. Is there any way I can legally force them to remove it since they have no record I owe them anything? The actual CA listed on my CRs is not even the same as who they claim they sold it to. The good thing is that neither CAs are listed.
The CA - which the OC claims that they sold it to - probably sold it to another CA. Were you ever hounded by any of them?
I sent a DV request to one of them when they contacted me about a year ago. Never heard from them again and they removed the listing from my CR. I have never heard from the one that is actually listed though.
Dispute the account with each credit bureau. If the OC has no record, they'll have to delete the trade line (i.e. the OC won't respond to the inquiry and the CRA will delete it, or the OC will respond that they don't know anything about it and the CRA will delete it). If they validate the tradeline, they must have some record of it.
If they DO validate it. Write them CRRR that they are in violation of the FCRA, to cease and desist reporting the debt or you will pursue your rights in court. This content is intended to be used with an attorney, or when a debtor cannot afford an attorney, to help find an attorney and get them started.
