I have 2 old charge offs both have been sold to collection agencies. One is CCB I called them and they said they have no records but they gave me the phone # and address of the collection agency that bought the account. I just disputed it with Equifax and it came back verified. I called equifax and they said they verified it with applied card systems which is owned by CCB. My question is should I send that collection agency the Validation letter? The collection agency isn't reporting on my credit report but CCB is showing a unpaid charge off. Who can remove that item? If the collection agency bought it, can they remove the CCB item? Im really stuck in a bind? Please help?
