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Can original crediter and CA both report for same debt?

Discussion in 'Credit Talk' started by MJJ3767, Mar 19, 2008.

  1. Mar 19, 2008 #1
    MJJ3767

    MJJ3767 Active Member

    Can the original crediter and the CA for the original crediter both report on your credit report for the same debt? On my credit report it shows an old debt that was charged off. That same debt is also reported by a CA. Would this be considered duplicate accounts? And now that I think about it, I believe I paid off the CA.
     
  3. Mar 19, 2008 #2
    woofer

    woofer Well-Known Member

    Not in Mass they can't.
     
  4. Mar 20, 2008 #3
    jlynn

    jlynn Well-Known Member

    They can both report, but the OC should be reporting a -0- balance and transferred or sold.
     
  5. Mar 20, 2008 #4
    bizwiz41

    bizwiz41 Well-Known Member

    They are separate accounts, (OC & CA debt); as jlynn pointed out, if the CA is reporting, then the OC should be reporting a $0 balance w/notation of "Charged Off, Sold ot Transferred".
     
  6. Mar 20, 2008 #5
    woofer

    woofer Well-Known Member



    18.17: Unfair Practices, Paragraph 11
    " For a debt collector to report to a consumer reporting agency on its transactions or experiences with a consumer in the debt collector's name. However, a debt collector may, with the express written authorization of the creditor, report to a consumer reporting agency in the creditor's name."

    Woofer
     

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