CA #1 bought charged off debt from OC. CA #1 sold debt to CA #2. I have 3 lines on CR on same account. Should CA #1 delete since they no longer have the account??? I called and they basically said pay CA #2 and refused to delete although I have no current obligation to them. What do I do??? Harley-Davidson, helping ugly people get laid since 1903.
I don't mind if someone corrects me here as I am a newbie, but I would say to never talk to a CA. Do everything in writing with CMRR. That way you will have a paper trail to follow when they eventually violate your civil rights (if they haven't already). Then you have evidence to stand on in court if it goes to that point. If you read this site you will see that it does go that far from time to time.
I sent CA #1 a certified letter requesting validation and a copy of the assignment although they don't even have the account now but are still on my CR. CA #1 hasn't had the account for sometime but is still on my CR as a collection account along with CA #2 which actually has the account and the OC as a charge-off. CA admitted not having the account but insists that their line on my CR is legitimate and legal and they aren't removing it. Harley-Davidson, helping ugly people get laid since 1903.
When CA#1 "admitted" not having the account I assume they did that by mail. If so, what evidence of the debt did they send you? If they did not send evidence of an obligation to them they must delete. Your communications with them need to take a more litigeous tone if they have not provided evidence of the debt. Also, if they are updating the TL, it has to have a "consumer dispute" notation. You also need to have the CRA's verify. Keep the heat on these people. They can't sue you for anything if they are not owners of the debt. Is the debt past SOL?
