I recieved my husbands credit report from TU. He has some collection account from Fin CR Netwk in 1998. Now there is a duplicate collection account from a diffrent collection agency American Agc but they put a year of 2001. He has 4 accounts just like this. Do you think American AGC took over these collection accounts? Thanks!
That's very possible - the OC may have referred it to a new CA, since the original CA didn't get any money. I would dispute the oldest ones with the CRA first and see if they are deleted from his report. Have you had any contact from any of the CAs on this account?
If that's the case, I'd dispute all of them ("not my account") and see what happens. If any listings remain, you can start the validation process with the CAs. Is there a listing for the account with the Original Creditor?
wondergirl, Here's what happpend to me when I asked TU to verify an American Agencies account (1 of 2). Within about 7-10 days I received a statement from Amer AGC with a balance due for an alleged phone bill. Prior to this I had never heard from them! I ignored the statement and somehow they did not verify with TU. Poof! It was gone. Next round I disouted Amer AGC #2. Came back verified. It took 2 validation letters and an online complaint to the BBB and it too was gone. Go get 'em! They will cave if you are persistent.
