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Charge off Balance Question
MadCow posted a topic in Is There a Lawyer in the HouseI had a charge off from a credit union that went into collections. After the transfer of the debt, the credit union still kept reporting the balance owed. They actually farmed it out to two CAs who where both reporting the balance on my credit at the same time. The CU didn't report the balance as zero. So I kind of had a "triple jeopardy" situation. After I called the credit union they said they had taken the account from the 1st CA back in 2013 and sent it to the 2nd CA. They also took it from the 2nd CA in 2015 and brought it back in-house. But both CAs kept reporting I owed the same amount up until September 2016. I know the CU should have started reporting on my account with a zero balance after they transferred the account for collections. The CAs should have also stopped reporting on the account when they stopped collecting on it. My questions are: 1) Can I sue the CU for FDCPA violations (inaccurate reporting) for reporting a balance on my CR when they transferred my account to the CA? (My CR from 2014 and 2016 showed all three) 2) Can I sue the CAs for FDCPA violations for continuing to report on my CR for more than 1year after they let go of my account? Thanks for the input.
Ok, so I had a cable bill collection on all three of my reports. I paid the cable company and the CA updated it as paid (don't judge, I had no communication with them at all, not even a letter from them). I gave it a few months and disputed the paid collection with TU and in response to the dispute, the CA added the same collection to all three bureaus as a new collection (separate from the one that has been paid for months), and this time it shows unpaid and the amount due. The date assigned, amount, etc are all different. What is the best way for me to handle this? I would like to take advantage of the situation to make them remove BOTH collections, the paid one and this new one from all 3 of my reports. Any advice would be greatly appreciated. Thanks!