ctwillia Posted October 1, 2007 Report Share Posted October 1, 2007 I have an old alleged debt w/ Sprint that I don't believe I really owe. The debt was sent to a collection agency and now both Sprint and the collection agency are reporting the same debt on my credit report. The credit agency has a more recent date as the last payment by about a year even though I have NEVER made any payments or agreed to make any payments to either company. Is this legal? Link to comment Share on other sites More sharing options...
charlanyc Posted October 1, 2007 Report Share Posted October 1, 2007 I had an account listed twice on my TU report. I disputed the account that was an obvious duplicate online and it was deleted in 2 days. In your case, I would dispute with the CRA via mail then send a DV to the Collection agency.This will start a paper trial in case the collection agency starts to take action near the SOL Link to comment Share on other sites More sharing options...
willingtocope Posted October 1, 2007 Report Share Posted October 1, 2007 FYI, the original creditor (OC), Sprint, and a collection agency (CA) collecting on their behalf can both legally report to the credit reporing agencies (CRAs). Link to comment Share on other sites More sharing options...
lovelydria Posted October 1, 2007 Report Share Posted October 1, 2007 I have a account with Memphis Light Gas and Water Company that was an old collection and I paid that balance when I got new Lights in my new apartment. It shows twice on my report by EQ, what should I do about that? Link to comment Share on other sites More sharing options...
willingtocope Posted October 1, 2007 Report Share Posted October 1, 2007 Who did you pay? What do the two TLs actually say? Link to comment Share on other sites More sharing options...
lovelydria Posted October 1, 2007 Report Share Posted October 1, 2007 On the first TLMLGW COLLCondidtion: DerogatoryBalance:$0Type: Utility CompanyPast Due:$0High Balance:$0TU says that the account is Collection/ChargeoffEQ says that the assount is Late 120 DaysOn the Second TLMEMPHIS LGEQ is the only one reported it and it says that the account is Late 120 Days but I don't owe any money.. I don't get it? so what should I do about them? Link to comment Share on other sites More sharing options...
willingtocope Posted October 1, 2007 Report Share Posted October 1, 2007 I'm guessing that MLGW COLL is a collection agency for MEMPHIS LG. ...and they're both saying the balance is $0. I'd suggest you dispute these with the CRAs...claiming "not mine", and see if they get deleted. Its possible they won't have the records anymore... Link to comment Share on other sites More sharing options...
ctwillia Posted October 1, 2007 Author Report Share Posted October 1, 2007 FYI, the original creditor (OC), Sprint, and a collection agency (CA) collecting on their behalf can both legally report to the credit reporing agencies (CRAs).Thanks. It seems unfair that I would be penalized twice for the same offense, but then again this entire system is unfair Link to comment Share on other sites More sharing options...
lovelydria Posted October 1, 2007 Report Share Posted October 1, 2007 Thanks Link to comment Share on other sites More sharing options...
charlanyc Posted October 2, 2007 Report Share Posted October 2, 2007 Thanks. It seems unfair that I would be penalized twice for the same offense, but then again this entire system is unfair If you are saying that you dont owe it and its not yours, then you should still dispute the accounts. Link to comment Share on other sites More sharing options...
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