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One Bill - Two Collections Listed


sleah
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I have an old account from DirectTV that is showing up twice on my report for TransUnion. Do they have a right to report this twice? I recently paid this by sending a payment directly to DirectTV - (too late to do anything about that though). Below is what shows on my TrueCredit report.

This shows on all 3:

NCO FIN/09

Creditor Name: NCO FIN

Account No.: 1829****

Original Creditor: DIRECTV INC

Responsibility: Individual

Condition: Derogatory

Original Balance: $172

Balance: $172

Date Opened: 09/22/2007

Date Reported: 05/24/2008

This shows just on TransUnion:

RIDDLE ASSOC

Creditor Name: RIDDLE ASSOC

Account No.: 1580****

Original Creditor: 11 DIRECTV

Responsibility: Individual

Condition: Derogatory

Original Balance: $172

Balance: $172

Date Opened: 05/15/2006

Date Reported: 06/05/2006

Remarks:

[TransUnion] Placed for collection

Any advice on this one? Thank you,

Stephanie

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If you have proof of payment to Direct TV but did not negotiate a PFD for the account, the only thing that I can think of doing is sending Direct TV a letter informing them that you paid them out of goodwill (come up with some kind of reasoning as to why it took you so long to pay the account), however you've noticed that the following CA's are listing on your reports and are reporting the account incorrectly. Ask them to pull the accounts back from the CA's since the account has been paid off. The worst thing that they're going to do is notify the CA's to update the account as paid...

Both CA's cannot report the same account with open balances on your CR's. Have you disputed these?

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Contrary to what some people believe, this is not legal. I recently settled with a company that did the exact same thing. Reporting two balances is falsely implying that you owe then you actually do. This can be a violation of both the FDCPA and FCRA. Ironically one of the companies involved was NCO. I knew NCO would fold so i went after the other company. Once the other company was gone i disputed NCO and they dropped.

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Dispute Riddle as a duplicate account and NCO as "paid before collection". Riddle should drop because looks like they've been out of the picture since 09/07. If NCO verifies then go the GW approach with Direct TV or complain to the PA AG about NCO. He loves NCO!!!

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