sleah Posted June 19, 2008 Report Share Posted June 19, 2008 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/09Creditor Name: NCO FINAccount No.: 1829****Original Creditor: DIRECTV INCResponsibility: IndividualCondition: DerogatoryOriginal Balance: $172Balance: $172Date Opened: 09/22/2007Date Reported: 05/24/2008This shows just on TransUnion:RIDDLE ASSOCCreditor Name: RIDDLE ASSOCAccount No.: 1580****Original Creditor: 11 DIRECTVResponsibility: IndividualCondition: DerogatoryOriginal Balance: $172Balance: $172Date Opened: 05/15/2006Date Reported: 06/05/2006Remarks: [TransUnion] Placed for collectionAny advice on this one? Thank you, Stephanie Link to comment Share on other sites More sharing options...
lovebug5 Posted June 19, 2008 Report Share Posted June 19, 2008 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? Link to comment Share on other sites More sharing options...
betam4x Posted June 19, 2008 Report Share Posted June 19, 2008 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. Link to comment Share on other sites More sharing options...
NASCAR_Devil Posted June 19, 2008 Report Share Posted June 19, 2008 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!!! Link to comment Share on other sites More sharing options...
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