Appearing out of thin air another magical creditors claim

An original creditor and ca cannot collect on same account. The preferred way I would handle this is to call original creditor and verify that they have pulled account from the ca. Once you have that in writing,send a tersely worded letter to ca with a copy of oc's letter stating that they no longer have this account and better remove their reporting.

Thank you I will do that after I see what happend with my dispute in 30 days. Question though what if the OC states the CA still has it YET they cash my check every month?

If they are cashing your check,they have accepted your payment and must apply it to your account.

If a creditor sends an account to a collections agency, they are simply requesting that the CA service the account. A creditor can still accept payments while a CA is servicing it. The creditor would have to report the payments to the CA and update the balance owed with them. But CA can still contact you (provided you didn't send c&d letter), and they can report to the bureaus. There is no law that says a creditor cannot accept payments after they sent it to a collection agency. Many times, in fact, you will find CAs that ask you to make your payment out to the order of the creditor, and when they receive it they simply forward it to the creditor.

I agree totally with DebtCruncher. Contingency collections is usually done under contract and the debtor cannot demand that the account go back to the OC...debtors just dont have that legal right. They can demand that the CA not contact them, but that does not prevent the CA from furthering legal action or reporting it to the CRA. The fact that the OC is cashing your check means nothing...with contingency collections they then have to send a pay direct to the CA. This is common practice.

Okay so an update, I received a reply to my dispute and they state that it remains, yet they have not changed the balance. The last report date is from 11/06 with a balance of $166, yet I know the balance is now $116. Do I wirte the original creditor to get a statement of balance and then send that on to Experian stating that I do not have any knowlegde of the the CA on my report, that I have only worked with the OC?

Dispute the balance as being incorrect.Try to stay away from not mine disputes. It is too easy to verify. Tear the tradeline apart. Look for any item in it that is incorrect. Send your dispute by us mail to the bureaus.

What is the tradeline, I can tear things apart but need to know what they are?

Tradeline is the line by line section for each account you have on a bureau report.

oh I already do that, I have a three year plan, this year it's Experian, next year Trans Union and so on. Thanks I didn't know it was called a tradeline, it doesnt have seemed to have impacted my credit score though. Thanks again you were helpful