abstruse

COLLECTIONS AGENCY REPORTING SAME ACCOUNT TWICE

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OK. So I have a tradeline that will drop off in April 2014. When I pulled my CR a few weeks ago, I could not figure out who the OC was. The CA is reporting CHASE as the OC but the account number was not the same as what Chase was reporting. 

 

So, I did a little digging today and pulled my CR thru Annual Credit Report from 2011. And sure enough, there is that acct # reported by the same CA but had 2 different OCs and balances.

 

TRADELINE #1:

ACCT #: 1234

OC: AT&T  

BALANCE: $1300

 

TRADELINE #2:

ACCT #: 1234

OC: CHASE 

BALANCE: $900

STATEMENT: FCBA DISPUTE RESOLVED. - CONSUMER DISAGREES

 

 

Tradeline #1 dropped off in May 2011. So that's why it was not showing anymore. And I don't even remember disputing this Tradeline #2 but that's neither here nor there now. It was my fault for ignoring my CR in the past.

 

Have you ever had this experience with a sneaky CA?

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@abstruse - just so I am following this - Tradeline #1 is no longer on your credit report now - correct?  It fell off in 2011.  And Tradeline #2 is going to fall off April 2014?

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Personally, I would leave well alone and pull your reports after April to make sure it has fallen off. 

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