aachudneymiles Posted March 26, 2007 Report Share Posted March 26, 2007 If an account was deleted from your credit report can the first CA..... sell the debt and the new CA put in your credit again ? Link to comment Share on other sites More sharing options...
someonesomewhere Posted March 26, 2007 Report Share Posted March 26, 2007 ... you can DV the second CA all over again, and if they fail to validate while continuing to pursue the debt then you have grounds to sue 'em.If it's a new CA, then the CRAs may, I stress may, get a pass from FCRA § 611(a)(5)((ii)I'm not a lawyer, but my reading of the Act says the CRA does have to send you written notice. If they don't, you can sue them as well.http://www.creditinfocenter.com/legal/FCRA.shtml#611If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Link to comment Share on other sites More sharing options...
LadynRed Posted March 27, 2007 Report Share Posted March 27, 2007 If an account was deleted from your credit report can the first CA..... sell the debt and the new CA put in your credit again ?Yes, they can sell the debt, there is nothing that says they can't.Can they put it back on - yes, because as far as the CRA's are concerned, it's a new collection - new CA - and CA's use their OWN ACCOUNT/reference numbers that makes it appear completely different to the CRA's. Link to comment Share on other sites More sharing options...
Yawo64 Posted March 27, 2007 Report Share Posted March 27, 2007 I think it depends on if the account was paid. I just got a deletion by a CA, after request for validation and CRA dispute.I had the same concern - re the possibility that the OC can send the item again to another CA (e.g., if they find more records to validate/verify the account).In these cases, what options do we have as consumers, except to pay ?rgds, Y Link to comment Share on other sites More sharing options...
GucciMark Posted March 27, 2007 Report Share Posted March 27, 2007 i was going to say something but upon further investigation.... never mind.. Link to comment Share on other sites More sharing options...
Recommended Posts