Collection account from $700 to $0....and I didn't pay it ??

[credit-nightmare]

I had a unpaid collection on my EQ . It was listing twice on two different TL from the same CA ...two different amounts , and said unpaid on both.

Well I disputed both as not mine . I check my PG today and one is completely gone and the other has been changed to say.... paid collection account and zero bal. ? ( from about $700 to 0 without me paying ? )

I didn't pay anything. I wasn't even sure who this was ( it doesn't list the OC )

So since I disputed as not mine and they changed the TL to say paid , should I dispute again( using not mine again or something different ) or do I DV the CA now since it says paid ? Im not sure what to do on this one.

Thanks

[divemedic]

I would print and save copies of both CR's. Then send a DV. Dispute again when you get the green card back. When that investigation is done, see what happens.

Yoiu almost certainly have a 623( violation there.

[LadynRed]

They probably sold the debt to some other scavenger debt buyer and zero'd it out. I have one like this on my reports too, though it was only a $16 charge-off that went thru 2-3 CA's a couple years ago and then nothing. It now shows as 'paid charge-off' - -I never paid anyone a dime on it - -why should I ? The account was PAID IN FULL a YEAR before they are claiming it was charged-off !!!

[credit-nightmare]

Thanks .....I will go ahead and DV them then. I did make copies of the PG report and I am waiting for my updated EQ report , I am learning to keep everything !!

It never occured to me that they may have sold the debt to another agency. Its over 5 1/2 years old , so I know its SOL if another scavenger picks it up.

I honestly have no idea what its even for ...but I guess ill wait and see if they respond.