2 acct's same company, could this be fraud?

Heres phone numbers and addresses for this company,hope this helps,first you need to send a validation letter from both of these if the account numbers are different.Good luck.

[quote]Universal Fidelity Corporation
1445 Langham Creek Drive
Houston, TX 77084
Principal: John Jackson, General Counsel
Phone Number: 281-550-1444
Web Site Address: w w w. ufccorp.com
w w w. uflp.com
Membership Status: no
Type of Business: collection agencies
Credit Cards & Plans
Undetermined Businesses
This company is a collection agency
This company also does business as:
Fingerhut Credit Advantage; UFC; Universal Fidelity Corp. and Universal Fidelty, LPAdditional phone numbers for this company include:
(218) 550-7465, (281) 463-8007, (281) 579-8888, (281) 647-4100, (281) 647-4101,
(281) 647-4152, (281) 647-4166, (281) 647-4203, (800) 260-3472 and (800) 580-8887.
Additional addresses for this company include:
144 S. Langham Creek Dr., Housston, TX 77084; 1445 Langham Creek Dr, Houston, TX 77084;
P O Box 941828, Houston, TX 77094-8829; P O Box 941911, Houston, TX 77084
; p.o. box 77094, houston, TX 77094; P.O. Box 840849, Houston, TX 77284-0849;
P.O. Box 941829, Houston, TX 77094-8829 and P.O. Box 941911, Houston, TX 77094-8911.[/quote]
Send a letter to them to validate these debts,make sure you send them certified.

Yes, two kid is correct, you will need to send validation request so you can see proof of what they're saying you owe here. In the meantime, you can also dispute with the credit bureaus and let them investigate it and come back and report their findings to you. The validation request could take awhile so you could do the dispute with the bureaus while you wait. Just to see what they come back and say. If its not yours, they will remove it.

Let me explain what I feel here-

Carinwallace had a Fingerhut card that went default in past. Now creditor has placed this account to collection. Fingerhut seems to have an affiliated collection agency. So two names appearing in your card are so similar.

No problem so far. But once creditor places the account to collection, the account should reported as zero balance. Carinwallace's report does not show that.

Apart from contacting OC and CA, can she dispute with credit bureaus as well? What do you think?

Carinwallace, please search their profile with BBB for more info.

Just because a creditor places an account in collections, does not mean that the account should be reported as a zero balance. I don't know where this Stanley gets his information, but he needs to research before giving out bad information. It would be against the law to report a debt as a zero balance until the account is resolved, either by paying in full, or by settling the account.

I believe Collector to be correct. Very often accounts go back and forth between original creditor and collector. My Amex account is a perfect example. It was in collections by a third party and now Amex has it back with a huge balance.

has anyone else noticed that this is not two separate companies, but in fact the same company on both entries?

here's the first:

Acct name FHUTREDADV

Here's the second:

acct name FINGERHUT CREDIT ADVANTAGE

The first is as follows:

FHUT is for fingerhut.....RED is for cREDit....ADV is for ADVantage....

also, let's take a look at that first account again...
[quote]
status 120 days past due
24month payment history has last activity as 120 days past due in april 01 [/quote]

This would mean that the absolute latest that this account could have gone delinquent is January 2001--as such, it should have already fallen off this person's report due to the time limit for reporting allowed by the FCRA. I noticed that this is an old thread after i started posting, hopefully the OP got this resolved already.