EQUIFAX Reports same info month after deleted

[win270]

EQUIFAX is such a Pain in the

They Deleted Both of these Tl's In Dec. Same Account.

Only to Report them again This month with same info nothing is Changed.

A blind man can see the Mistakes in the TL's

Here I go Again

I know that when I dispute again they will hit me with Frivolous Cause I disputed every line on both TL's.

Anyone have Idea on how to fix this with out having to sue?

I have two cases going now and just cant afford or handle another.

Thanks in advanced.

Paragon Way, Inc;

Collection Reported 12/2007;

Assigned 12/2003;

Creditor Class - Financial;

Client - Juniper Bank;

Amount - $2,245 ;

Status as of 12/2007 - Unpaid;

Date of 1st

Delinquency 02/2002;

Balance as of 12/2007 - $2,245 ;

Individual Account; Account # -

ADDITIONAL INFORMATION - Consumer Disputes This Account

Information; Collection Account; Address: 2101 W Ben White Blvd Austin TX 78704-7516 : (512) 347-1496

Barclays Bank Delaware

Date Opened:02/2002

High Credit$1458

Credit Limit$1500

Terms Duration:

Terms Frequency:

Months Revd:18

Activity Description:Transfer/Sold

Creditor Clasification:

Items As of Date Reported:01/2007

Balance Amount:$0

Amount Past Due:

Date of Last Paymnt:05/2003

Actual Paymnt Amount:

Scheduled Paymnt Amount:

Date of Last Activity06/2003

Date Maj. Del. 1st Rptd:01/2004

Charge off Amount:

Deferred Pay Start Date:

Balloon Pay Amount:

Balloon Pay Date:

Date Closed:

Current Status - Charge Off;

Type of Account - Revolving;

Type of Loan - Credit Card;

Whose Account - Individual Account;

ADDITIONAL INFORMATION - Account Transferred orSold; Charged Off Account

[lovebug5]

Are you sure that those listings were for the same account? The balances are so different between the two that I can't quite understand how they can be the same account...

[andbowd]

Write a letter. AB

EQ 532, EP 546, TU 541

[win270]

Are you sure that those listings were for the same account? The balances are so different between the two that I can't quite understand how they can be the same account...

Yes same Account numbers ,Paragon Way, Inc is CA and Barclays Bank Delaware is listed As OC. However Paragon way list Juniper bank as there Client and Barclays Bank Delaware Shows they had the account in 2002

And Last Reported 01/2007 so many mistakes its unreal that they would put it back.

[win270]

Write a letter. AB

EQ 532, EP 546, TU 541

Yep! Does AB Mean A B#tch

[VeVe]

Why are you disputing them? I'm confused.

If they are existing accounts, and were just deleted by the CRA, they can show up on your report again if the OC/CA updates with the CRA. It looks like that's what happened with the Paragon account (it was updated with the CRA in December).

[ribbit1072]

Why are you disputing them? I'm confused.

If they are existing accounts, and were just deleted by the CRA, they can show up on your report again if the OC/CA updates with the CRA. It looks like that's what happened with the Paragon account (it was updated with the CRA in December).

Yes they can show up again, but the CRA is in violation if it gets reinserted without them notifying you within 5 days of reinsertion:

611. Procedure in case of disputed accuracy [15 U.S.C. 1681i]

(a) Reinvestigations of disputed information

(5) Treatment of inaccurate or unverifiable information

Requirements relating to reinsertion of previously deleted material.

(i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

(ii) Notice to consumer. If 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.

[AboveAverage]

I was wondering if I was alone in thinking this. I was viewing all of his posts and maybe ONE is barely useful. He makes post-whoring look really bad.

[2001Badyear]

Odd to reply to every thread with "OK" or "Thanks" without anything useful to add. ????

[win270]

Why are you disputing them? I'm confused.

If they are existing accounts, and were just deleted by the CRA, they can show up on your report again if the OC/CA updates with the CRA. It looks like that's what happened with the Paragon account (it was updated with the CRA in December).

Disputing because there neg. Tl's and wanting them gone as said before its the same account. I want to pay this account however neither will give me proof of what I owe. The CA paragon way shows $2,245 and Barclays Bank Delaware shows $1458 ? So which is it? I called Barclays Bank Delaware and asked them for proof I had a account with them and how much I owe, they say they have no records DV to paragon way and they sent a print out with juniper being OC.

When I call Juniper who is not on CR they say Juniper was bought by Barclays Bank Delaware in 2005 and the account has been sold to Paragon way and they have no records. So now I have 2 Tls on my CR whacking my score.

If Paragon ways Tl is correct Reporting Date of 1st

Delinquency 02/2002 Then Barclays Bank Delaware is Reporting wrong Date of Last Paymnt:05/2003 and have re-aged the debt.

If paragon way was Assigned 12/2003 by Juniper How could Barclays Bank Delaware Report Date Reported:01/2007 and Date Maj. Del. 1st Rptd:01/2004

Wouldn't they have to be the one who Assigned paragon way ?

Just noticed Paragon way is now A JDB so Barclays Bank Delaware would have had to sell this account to paragon way.

wouldn't Barclays Bank Delaware be A JDB seeing as how they bought a bad debt from from Juniper?How could the have updated 01/2007 Wouldn't they have had to remove there TL when it was sold?

This is just so wrong and confusing

I have sent another dispute letter to CRA and will see what happens.

Thanks for the input VeVe

[win270]

I was wondering if I was alone in thinking this. I was viewing all of his posts and maybe ONE is barely useful. He makes post-whoring look really bad.

[win270]

Maybe "Annoying B#tch"??

No Maybe about it! My wife Says thats a fact

[VeVe]

Disputing because there neg. Tl's and wanting them gone as said before its the same account. I want to pay this account however neither will give me proof of what I owe. The CA paragon way shows $2,245 and Barclays Bank Delaware shows $1458 ? So which is it? I called Barclays Bank Delaware and asked them for proof I had a account with them and how much I owe, they say they have no records DV to paragon way and they sent a print out with juniper being OC.

When I call Juniper who is not on CR they say Juniper was bought by Barclays Bank Delaware in 2005 and the account has been sold to Paragon way and they have no records. So now I have 2 Tls on my CR whacking my score.

If Paragon ways Tl is correct Reporting Date of 1st

Delinquency 02/2002 Then Barclays Bank Delaware is Reporting wrong Date of Last Paymnt:05/2003 and have re-aged the debt.

If paragon way was Assigned 12/2003 by Juniper How could Barclays Bank Delaware Report Date Reported:01/2007 and Date Maj. Del. 1st Rptd:01/2004

Wouldn't they have to be the one who Assigned paragon way ?

Just noticed Paragon way is now A JDB so Barclays Bank Delaware would have had to sell this account to paragon way.

wouldn't Barclays Bank Delaware be A JDB seeing as how they bought a bad debt from from Juniper?How could the have updated 01/2007 Wouldn't they have had to remove there TL when it was sold?

This is just so wrong and confusing

I have sent another dispute letter to CRA and will see what happens.

Thanks for the input VeVe

You can have the OC and the CA on your reports at the same time. The OC isn't required to be removed from your reports until the 7.5 years is up, regardless of whether or not it was sold.

[win270]

You can have the OC and the CA on your reports at the same time. The OC isn't required to be removed from your reports until the 7.5 years is up, regardless of whether or not it was sold.

Thanks again VeVe for the info

I understand that the OC can Report and the CA can as-well however Barclays Bank Delaware was not the OC and paragon was no longer a ca but a JDB.

As far as the 7.5 years That was another Problem Paragon way Reported Date of 1st Delinquency 02/2002 and Barclays Bank Delaware reported Date of Last Paymnt:05/2003 both cant be right.

Anyhoo

I just got of the phone with Equifax They sent me the old CR. They just gave me a new confirmation# for new report and there both gone!

A lot of worry for nothing

Sure Hope they don't come back .

Thanks again to all for the help;)

[VeVe]

Thanks again VeVe for the info

I understand that the OC can Report and the CA can as-well however Barclays Bank Delaware was not the OC and paragon was no longer a ca but a JDB.

As far as the 7.5 years That was another Problem Paragon way Reported Date of 1st Delinquency 02/2002 and Barclays Bank Delaware reported Date of Last Paymnt:05/2003 both cant be right.

Barclay's bought Juniper, so yes, they are now the OC. Just because a bank is bought doesn't mean the accounts they owned become orphans. They are owned by whoever took over.

A JDB can report a collection as well, and at the same time as an OC.

The date of your 1st delinquency can be different from the date of your last payment because just because you make a payment doesn't mean your account is no longer delinquent.

[win270]

Barclay's bought Juniper, so yes, they are now the OC. Just because a bank is bought doesn't mean the accounts they owned become orphans. They are owned by whoever took over.

A JDB can report a collection as well, and at the same time as an OC.

The date of your 1st delinquency can be different from the date of your last payment because just because you make a payment doesn't mean your account is no longer delinquent.

Yes Barclay's bought Juniper However the debt was sold before Barclays bought Juniper. I don't understand How Barclays could buy something that was all ready sold?

Paragon owns this debt what position do they hold now?

Is that for credit Reporting the day of 1st delinquency is used for sol?

My states law of SOL says the day of last payment?

paragons date of 1st delinquency was my date of last payment thats why I was pointing out the difference.

A JDB can report a collection as well, and at the same time as an OC

I Didn't know that. Thought that when debt was sold they became OC and could then hire a CA to collect and they could report as-well.

Thats a big hit on credit score with 3 neg. Tl's updating.for 1 Debt

Thanks VeVe I'm learning .

[win270]

Thats's why he's on the iggy list

Whats A iggy list and why am I on it?

[brokeinok]

I was wondering if I was alone in thinking this. I was viewing all of his posts and maybe ONE is barely useful. He makes post-whoring look really bad.

I'm confused... what are you talking about? I thought this was an OC and JDB posting incorrect info on the OP's report?

[win270]

Ignore and not you but the one word post whore

My bad I was feeling guilty cause thats what my wife Calls me.

[VeVe]

Yes Barclay's bought Juniper However the debt was sold before Barclays bought Juniper. I don't understand How Barclays could buy something that was all ready sold?

Barclay's is a bank. Juniper is a bank. Barclay's bought Juniper. Your account that was opened with Juniper then became an account owned by Barclay's. Barclay's did not buy your debt, they sort of "inherited" it since it was owned by a company they took over. Doesn't matter if it was already in collections or not, they still become the owners of the original account.

[win270]

Barclay's is a bank. Juniper is a bank. Barclay's bought Juniper. Your account that was opened with Juniper then became an account owned by Barclay's. Barclay's did not buy your debt, they sort of "inherited" it since it was owned by a company they took over. Doesn't matter if it was already in collections or not, they still become the owners of the original account.

I think I get it. Selling a debt is collections, so even though another company buys the debt/JDB they just get the rights to the debt, but the company who sold it still list it as a charge off loss Cause a JDB Didn't pay in full for it so they can still report it.

Thanks VeVe Learned a lot Today.

[win270]

last few Questions then Ill quit for the night

So if they return in the future I Would still approach Paragon way the same way. DV not investigation?

I know the FDCPA would Govern Paragon way Does the FCRA apply to Paragon way As well?

I would ask for investigation from Barclay's Not a DV?

FDCPA does not apply to Barclay's However The FCRA does?

[Amerikaner83]

...if they return... yes, you would DV...BUT since it's been deleted the CRAs have to notify you within 5 days of reinsertion.

...does FCRA apply to Paragon Way...... YES! The FCRA Applies to ANYONE who reports on your CR.

...I would ask for... Yes. They're the "OC", apparently. *But actually, you can request an investigation pursuant to Section 623 of FCRA for ANY Data Furnisher...not just OCs...CAs as well

FDCPA not apply to Barclays........ Correct.

[AboveAverage]

I'm confused... what are you talking about? I thought this was an OC and JDB posting incorrect info on the OP's report?

Broke,

Was talking about andbowd and his one word antics...

I too will be ignoring him.