timmy28 Posted May 6, 2007 Report Share Posted May 6, 2007 Ok, I have been trying to negotiate PFD with an OC and they keep refusing. The account is within SOL, I already DV'd and it was assigned to a CA. I was working with the OC because I thought they would be more cooperative. Well I now I have noticed that they have assigned my account to two additional CAs so that now there are two reporting on my Exp and a totally different one reporting on my EQ!! I disputed the old CA on Exp with the CR since it is now listed with a new CA and am waiting for the response. I was planning on continuing to try PFD with this new CA because I heard that they do PFD. But my question is, now that there is a third CA reporting on my EQ, am I going to be able to get that removed if I pay the other CA? Anyone have any ideas of what I should do here? Link to comment Share on other sites More sharing options...
willingtocope Posted May 6, 2007 Report Share Posted May 6, 2007 Although things do change, I'd say it is highly unlikely that one OC has multiple CAs trying to collect the same debt. It is possible that OC sold it to a JDB, and the JDB has a CA working the debt...but, having multiple regular old CAs showing the same debt probably means someone is reporting inaccurate data. I'd suggest calling the OC and ask if they have someone collecting. If they tell you who, send the others an ITS if they don't remove themselves from your credit reports. If the OC won't tell you, then ITS everybody for FCRA violations. Link to comment Share on other sites More sharing options...
timmy28 Posted May 6, 2007 Author Report Share Posted May 6, 2007 They do in fact have several CA's. I have a letter from the OC stating that they use multiple CA's. I have listed on my Exp CBCS and MAF. EQ just started showing Merchants a$$ collections. What are my options here? Maybe non-disclosure agreement would be my only option for being able to delete everything since there are differt CA's? Link to comment Share on other sites More sharing options...
timmy28 Posted May 6, 2007 Author Report Share Posted May 6, 2007 I also sent a letter to the OC when the second CA appeared with ITS if they did not correct their violation of double listing. I got no response to that and then I noticed yet the third CA appear on my EQ! Link to comment Share on other sites More sharing options...
willingtocope Posted May 6, 2007 Report Share Posted May 6, 2007 If you're offering payment in full, then I'd suggest you forget about PFD, and instead ask that they pull everything back from the CAs and simply mark your reports "Paid". If they refuse over the phone, send a letter CMRRR to someone higher in the company. You might also point out that use of multiple CAs for one debt, with each reporting might be considered an attempt to "posion your credit reports". There have been lawsuits filed over that. Link to comment Share on other sites More sharing options...
timmy28 Posted May 6, 2007 Author Report Share Posted May 6, 2007 I am offering payment in full to the OC. The only thing is that the OC isn't listing. Just these three CA's. I don't understand why they would choose to start using all these collection agencies when I am offering them payment in full, unless they are maliciously trying to damage my credit. So you think I may have a case against the OC? Also, do you think it would be better to try a non-disclosure agreement or to pay the OC if they agree to pull the CA's and report themselves as paid? This is getting so confusing!! HELP!!!! Link to comment Share on other sites More sharing options...
willingtocope Posted May 6, 2007 Report Share Posted May 6, 2007 Who is the OC? Why are they not reporting?One thing that might work is go ahead and pay the OC. If they're not reporting now, then I'm thinking that the only thing they could report in the future is "Paid", with no other details. Then, you'd have to use the DV, ITS process on each of the CAs. You might want to talk this over with an www.naca.net lawyer before you do anything... Link to comment Share on other sites More sharing options...
timmy28 Posted May 6, 2007 Author Report Share Posted May 6, 2007 The OC is Florida Power and Light. It is from a final bill after I relocated...somehow i ended up owing extra and wasn't aware of it until it showed up on my CR. Since then I've been trying to negotiate amicably with them, but now things are getting out of hand...Thank God I have prepaid legal services...I'm going to call my lawyer tomorrow and see what he has to say. Link to comment Share on other sites More sharing options...
timmy28 Posted May 6, 2007 Author Report Share Posted May 6, 2007 I suppose I could try getting the OC to agree to pull back the CA's, pay them and let them report as paid, but considering what they've been pulling, I''m not sure they would agree to that either...guess its worth a shot Link to comment Share on other sites More sharing options...
timmy28 Posted May 7, 2007 Author Report Share Posted May 7, 2007 well, I wrote up a letter to the OC letting stating that that I intend to take action if they don't correct their violations and asking them to agree to pull the CAs and report on their own as paid when I pay them. I'm going to send it CMRRR tomorrow. we'll see what kind of response I get Link to comment Share on other sites More sharing options...
hopen4800 Posted May 7, 2007 Report Share Posted May 7, 2007 I think you may have done yourself a disservice by DVing the OC. By making it a liability dispute you probably DID (tick) them off. Now they want to bury you in a paper blizzard. Hope you're able to bring it back in-house with the OC. Peace Link to comment Share on other sites More sharing options...
timmy28 Posted May 7, 2007 Author Report Share Posted May 7, 2007 hmm I didn't DV the OC...we'll see what happens Link to comment Share on other sites More sharing options...
timmy28 Posted May 9, 2007 Author Report Share Posted May 9, 2007 Ha! The OC received my letter threatening action if they did not remove the multiple entries and voila! today two of the TLs are gone. Now I just have to negotiate PFD with MAF and from what I hear I should be able to do that with a little bit of persistance. Thanks for all the advice! Link to comment Share on other sites More sharing options...
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