Hi. I have a quick question. I want to send a PFD for an old Tmobile account. The account was first reported on my credit report in Nov of 2009. I am trying to clean my credit and the Tmobile account along with one other account is the only negative mark on my credit report. The problem is the CA recently sold my account to a new agency. The old CA (Enhanced Recovery Co) still appears on my credit and the new company (Plaza Associates) who just recently purchased my account still does not show on my report. Do I wait for Plaza Associates to report my debt and then send the PFD? and how do I remove the Enhanced Recovery Co from my report since they no longer own my account? Thanks!
I'm having the same issue. I have one CA listed with one item on my credit report but a completely different CA calling me alleging that they own it. It seems very shady. </p>I think (and someone correct me if I'm wrong), first step is to dispute with the CRAs. If the debt comes back as unverifiable, they have to take it off your credit report (although I've heard that if they later verify it, it may pop back on). If the CRA does not remove the debt, you can send a debt verification letter to enhanced recovery. If they don't respond or can't verify, I believe that's your golden ticket to getting this tradeline removed. </p> If you haven't already, you should read the FDCPA and the FCRA so that you know what your rights are and where the burden of proof lays.These agencies are pretty shady. They swap accounts at any given moment and they consistently violate the FDCPA. Your first step is to get them to prove that the debt is yours AND that they are entitled to the full repayment of such debt. This doesn't entail lying to them or stating that the account is not yours. It's simply - I don't know what you're talking about, I need more information, please send me X, Y, Z to the address on file to verify that I am indeed the owner of this account. If you are unable to verify this, kindly remove the tradeline reporting this account to all three credit reporting agencies.Your second step is if Enhanced verifies it, then they verify it. Nothing left to do except dispute it in other ways (inaccurate reporting, etc.). Do not offer them a PFD.Third step is now with respect to Plaza - wait for them too. Do not initiate contact with them - they are not reporting it as yet, and even when they do, they still need to verify that it belongs to you and they are the true collectors for that debt. If they verify, then angle for a PFD. Hope this helps. I'm going through the sameeeeee thing! What a mess. They all report different things to each of the bureas, so it's a massive clean-up/damage control effort.
