Helping out a friend (my reports are all clean now!) and have run into a problem. Got Credit Management Inc from TX and Proffesional Collections from LA sending collections on the same cable bill. I called Time Warner Cable and was told that Professional collections was the one that had been assigned the debt. I disputed both entries and they both came back verified. I then called Credit Management and Professional and they both claim the debt is valid and they are collecting???? Is this illegal????? Help me out board, I need to help my buddy clean things up.
Did they(CA's) provide you with wriiten validation ie:Application/Contract with signature, Copies of statements, copies of payment verifiying knowledge of the account, etc..... Send another validation(if you haven't already) and specifically request this information. Also, if you've disputed with CRA's send the validation procedure letter http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=85468#post85468
I have sent validation to one, and will send validation to Credit Management today. I am just curious if it is illegal for them both to report the same debt and place it on my buddy's credit report. Disputing with the CRA's is no good because both of them keep on verifying, I called both of them as well, just to inquire (acted like I had no idea what this was all about) and both told me that I should handle the matter with them. I would like to send an opinion letter of sorts on this one, to let them know I am aware of the laws (which I am obviously not, otherwise I would already have the answer). Matt
any help from the experts? I really hate to bump my own post, but I need a little info. You guys think the actions by both CA's is illegal? Both collecting and reporting on the same debt? Matt
mglanham, Two CA CANNOT both report the same debt on your reports.........trust me, I've been there, done that. What you need to do it get both these low life CA to send you ATLEAST something that states the ORIGINAL account numbers from the original creditor (cable bill in this case). With these in hand, you can send copies of these letters to all the CRA and demand removal because these are duplicate collection accounts. Good luck, Sal
