My questions were: 1) Can both the original creditor AND the collection agency list a charged off account on your credit report? 2) A collection agency recently called me saying that they just bought the debt from the creditor. I haven't received any collection letter from them yet. LK said to validate the debt--validate with original creditor or the CA? If the CA says that because they bought the debt, they can't make the original creditor remove the negative mark, should I send them a cease & desist letter so that I can deal with creditor instead? Thanks!