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Origianl creditor listing charge off twice.


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I have a charge off that was paid this year, It is a military charge account so they just attached my income tax check this year, and there was enough to cover the balance.

But now I have the problem with the way they are listing it on my credit report. I was paying this monthly for over a year in a half, but the end of last year I could not pay it. So they have it listed as a collection account at that time, then since I stop paying they listed it as a charge off.

But then at the same time they were listing it as a charge off with a different balance, but the same account number. Date opened was the same but the last activity date was different. one has a balance of $1999, and the other one showing a balance of $5743. I am disputing this now and thank goodness it is only on my EQ report.

But if they don't get this right, does the reporting agency have to delete the whole thing since the creditor is reporting wrong information. I did not now you could charge off a account with the same number twice.

Thanks for any input.

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They can't legally co the same account twice. If you can't get anywhere with the cra, I would send the oc this letter:


Getting The Original Creditor to Verify You Owe the Debt or Were Actually Late

Debt validation does not work with the original creditor, only with collection agencies. The only way you can get an original creditor to budge on responding to you via snail mail (so you can send it certified) is to tell them you will sue them for defamation if they can’t prove that you were actually late or even that you are on the account. This letter is perfect for those people who are trying to get “Authorized User” accounts off of their credit reports. The court case cited in the below letter is included in this CD under Court Cases.




City, State Zip



Dear Sir/Madame:

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus <insert names of credit bureaus here>, and you have been able to verify this debt. How is this possible? I was <not late> <this is not my account> <I am only an authorized user>.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to <purchase a home> <get a job> <get a credit card>.

In light of the recent court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter.



Your Name

Your Address

City, State Zip

Enclosures <you can enclose a copy of the court case referenced above>

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