your thoughts?

<bump>

 

• 
  1. Is the same CA reported the TL?
  2. Are both TLs reported with the same and the correct date?
  3. Have you contacted the CA?

 

• 
  First let see the differences between the two TLs:
  
  [TL-A] CR BUR S BAY DIST
  [TL-B] CR BUR S BAY DIST
  
  [TL-A] Address: PO BOX 7520, SANTA MONICA, CA 90406
  [TL-B] Address: PO BOX 7520, SANTA MONICA, CA 90406
  
  [TL-A] Date Opened: 10/2000
  [TL-B] Date Opened: 10/2000
  
  [TL-A] Type: Installment
  [TL-B] Type: Installment
  
  [TL-A] Terms: 1 Months
  [TL-B] Terms: 1 Months
  
  [TL-A] Monthly Payment: $0
  [TL-B] Monthly Payment: $0
  
  [TL-A] Responsibility: Individual
  [TL-B] Responsibility: Individual
  
  [TL-A] Credit Limit/OriginaL-Amount: $118
  [TL-B] Credit Limit/OriginaL-Amount: $118
  
  [TL-A] High Balance: NA
  [TL-B] High Balance: NA
  
  [TL-A] Account Number: 1200XXXX
  [TL-B] Account Number: 52300700XXXXX
  
  [TL-A] Original Creditor: UNILAB
  [TL-B] Original Creditor: UNILAB X
  
  [TL-A] Status: Collection account. $41 past due as of 12-2000.
  [TL-B] Status: Collection account. $40 past due as of 11-2003.
  
  [TL-A] Status Details: This item was verified and updated on 11-2003.
  [TL-B] Status Details: This item was verified on 11-2003 and remained unchanged.
  
  [TL-A] Reported Since: 12/2000
  [TL-B] Reported Since: 11/2003
  
  [TL-A] Date of Status: 12/2000
  [TL-B] Date of Status: 11/2003
  
  [TL-A] Last Reported: 12/2000
  [TL-B] Last Reported: 11/2003
  
  [TL-A] Recent Balance: $41 as of 12/2000
  [TL-B] Recent Balance: $40 as of 11/2003
  
  [TL-A] Recent Payment: $0
  [TL-B] Recent Payment: $118
  
  
  The CRA reports the TL-A again as TL-B probably because of the different name of the OC and the different account number. I assume you haven't received any letter from the CA, right? If yes, they are already in a violation.
  
  Is the name of the OC different on both TLs, or is it just a typo on your side?
  
  
  If they verified both accounts (which is a violation at least for the second one), you should send a "Debt Validation" letter to the CA and ask them to remove both TLs. Looks like they have messed up their files, because of that they have messed up youir CR and they should pay for it ...

 

What vghost is getting at is that CAs are prohibited from reporting inaccurate information, they are automatically in violation for claiming that they verified both accounts (since there's really only one). So yes, send them a letter on each account. Check the sample letters section on the main discussion boards page. I hope a guru can help you further.

Good luck! Go get 'em!

Poochie

 

• 
  Thanks, Poochie!
  
  So, Lisa ... I see you've been around few months, but anyway - take a look at this - http://consumers.creditnet.com/straighttalk/board/showthread.php?threadid=53305 ...
  
  Now, Section §809(a) tells us that a debt collector have to send us a written notice with the following: the amount of the debt, the name of the creditor to whom the debt is owed, and few important statements. The debt collector must do this within five days after the initial communication with us.
  
  If we initiate the communication (as in your case), it doesn't matter what exactly we write to them, as long as it is about the debt. In fact, we can write them:
  • "Hey, you posted a negative TL regarding account #______ with <Name of Creditor> which contains an inaccurate information. What is it all about?"
  and this will trigger their obligation to send us the notice.
  
  Of course, a better worded letter is better respected. You may use it to ask them for additional information:
  - A proof that this debt is assigned or sold to them.
  - A proof that you owe this debt.
  - A proof that they are licensed in your state.
  - A proof how the amount is calculated.
  
  Send them two letters, one for each account, and tell them that they have reported inaccurate information about this account. They will be obligated to send you two notices, so the information in at least one of them will not be true. Then post here their responce (without any personal info).
  
  HTH
  
  
  P.S. Here are some sample letters - http://consumers.creditnet.com/straighttalk/board/forumdisplay.php?forumid=25 ...