2 CA"S One Bill

[wrassie86]

Hi peoples been doing alot reading here and working with my credit problems and my wifes.

Today i pulled a full TU report and found 2 CA'a reporting for Charter communications (cable) any way one is AFNI inc opened 12/05 last reported 10/02/06

$228

next is CRD PRT asso opened 1/28/04 last reported 6/27/04 $228 both list Charter as the original creditor.

First i will say we don't beleave we owe this bill.So

I called charter today and asked about paying since i knew they would not report to the CRA's and to pull the accounts back if they wanted there money .Only problem is even with my wifes name and last 2 addresses and any info the girl wanted, she said there was not enough info to verify the account as my wifes (including her name).Now the kicker is we have service with charter (in my name)and have for several years now,so i know the TL for AFNI is wrong by years.

Both accounts have come back verified from TU it seems.

In the past i have disputed same accounts with TU and "poof" there gone, but not this time, i did it online in stead of the phone.

Not sure how i should proceed, DV the CA's and file new dispute or just go back to my old way and call the CRA's and say hey look only one can own this account,And tell them what the OC said.

Just looking for opinions on one way being better than the other.

[retmar]

Looking at the dates, I can only assume that the older one with Credit Protection, in Dallas, has since returned it to Charter, who reassigned it to AFNI. If this is true, then Credit Protection can not legally report a TL they are not working.

You could call Charter and ask what it is all about. BUT, do not let them know you still have service in your name as they may cause you to pay or they will disconnect. Once you find out, then let us know for a plan. Or, you could DV both CA's letting them know they are both reporting the same account and that you will proceed with legal action against the one not currently working the debt for violations of the FCRA and FDCPA. Do realize that Credit Protection will demand a SS # before processing your DV. Do not fall for this act. Let them know up front that if they are reporting this debt, they have the proper SS #. In your letter, include reference to FDCPA 807(8) so as to stop them from trying to pull the "you did not dispute within the 30 days so we do not have to DV" baloney.

[wrassie86]

Looking at the dates, I can only assume that the older one with Credit Protection, in Dallas, has since returned it to Charter, who reassigned it to AFNI. If this is true, then Credit Protection can not legally report a TL they are not working.

You could call Charter and ask what it is all about. BUT, do not let them know you still have service in your name as they may cause you to pay or they will disconnect. Once you find out, then let us know for a plan. Or, you could DV both CA's letting them know they are both reporting the same account and that you will proceed with legal action against the one not currently working the debt for violations of the FCRA and FDCPA. Do realize that Credit Protection will demand a SS # before processing your DV. Do not fall for this act. Let them know up front that if they are reporting this debt, they have the proper SS #. In your letter, include reference to FDCPA 807(8) so as to stop them from trying to pull the "you did not dispute within the 30 days so we do not have to DV" baloney.

Right, I assumed the same also for Credit protection.

My first call info is above but here is short recap.

Charter Girl was nice and seemed to try hard.

I gave, name, last 2 addresses and phone #'s and a offer to pay if they pulled the accounts back (they don't report unless you owe) and only assign.

Girl could not find enough info for my wife or it was incomplete.wrong first name but right last name.

She said she could not verify the account enough for me to pay.but was also limited in what she could see.

Lastly she said the account was assigned to AFNI and knew nothing of Credit Protection.

[retmar]

Connect with this Charter rep again, if possible. Ask to speak to her supervisor and share this with them. Ask for a letter stating that Credit Protection is not involved in this claim. If they will do this, send a copy of this letter to Credit Protection by CMRR and demand deletion, or else. Do add that it is against federal law to demand an SS#, and, that in some states, the client, Charter, can be held liable for the actions of their assignee. The law I'm referring to is: Title 42, Chapter II, Subsection 408, and Title 5 of the US Code Annotated 552(a). Go to the thread in collections titled "Calling About my SS#" as I wrote out most of these statutes.

Now, Charter does use Credit Protection as an assignee. I'm fairly positive that the debt was returned as "uncollectible", whereas Charter reassigned. I say this as Charter assigned me to them for not returning the box. My DW had returned it herself along with our daughter, but, of course, we were moving back down here, so, receipt was lost. AND, at time it was returned Charter was not the owner. They took over 3 months later. Our new address was on file, but, we never received any communication about this from anyone, except for the gifts we received from our bonus awards. Are you following this? I found the TL upon pulling a CR for me. The end result was that I called Charter as Credit would do nothng unless I gave them my SS#. I was connected to a supervisor who was involved in the "turnover". She brought me up on screen and zeroed the account, then contacted Credit to send me the deletion letter. All done. Here is the kicker. Credit was using an address from years prior to this particular service period. In short, Credit Protection is no more than a bunch of ignorant asses.