CA calling about cc no longer listed on credit report

A CA cannot change the info provided by a different entity. If the CA owns the debt, then they can put the account in collections on your credit report, and it should stay there for approximately 2 more years (7 years from the date of the charge off, or last payment, whichever is later).

Send a letter, return receipt, demanding validation. Send a separate letter, also return receipt, that restricts communications from the CA to letter form only.

What state are you in? There's a chance that the SOL has passed, and they would not be able to sue you for payment. If that is the case, then you would be within your rights to send a cease and desist letter (again, use return receipt mail) to them.

I am in ALABAMA. Last payment was March or April 2001, charge off was several months later.

ok, there are some other things to consider here. First, they did not specify the bureau--there are three national credit bureaus, but there are also many other smaller ones that do not report nationally. They may have listed you on a different one.

Second, if you did in fact have this account, and this is a valid debt, then they simply took over the account from the previous creditor. It happens all the time. Your first step should be to send a validation letter. At the same time, send a letter that states very clearly that you wish only to be contacted by mail, no phone calls. Keep copies of these letters for yourself and send theirs by certified mail. Your next step after that depends on their actions. If they violate federal law by not honoring your two letters, you can then sue them. If they properly validate the debt, then you can look at other things. SOL in your state is 6 years, so this is cutting close there, but you may be able to use that.

something else you may want to consider--your credit report. Most entries are allowed to stay on your credit report for 7 years. That seven years is from date of last action--so if you start paying this back now, this CA can legally report this account negatively on your bureau for the next seven years. Just a thought--even a paid collection is still a collection and hurts your score.

I have this same problem a collection agency wants to collect on an account that has been deleted from my credit report...any ideas what I should do?

d2dtk, follow the advice that skydvr gave in the post above yours. Your state's SOL may be different. If the SOL has indeed run, you would be within your rights to send a cease and desist letter.

here in Cali its 4 years, but I don't even remember when I had to stop paying on it, but I think when I disputed it a few months ago it was deleted for no evidence or something. Yeah so the original creditor isn't even on the credit report.

I would assume that if the creditor cannot verify it, the CA will have a very hard time providing validation...If they can't validate, they can't collect...If they can't collect, they can't touch your credit report.

Edit: If they can't validate, I think you could then dispute their inquiry.

if the cant validate did they violate any laws getting my cr?

3:00 am...FCRA is a lot of dry text...cajun should be able to answer that question.

As long as they thought they had a valid account,they coould pull credit. If it turns out that they did not have enough to validate I would dispute their entries with the credit bureaus stating that the agency could not prove the account. If they verify with the bureuas,get an attorney as they have now violated fdcpa&Fcra.

I just sent off 10 DV letters, dang things cost me $50 bucks with the return receipt things, do i really need the return receipt?

Yup...so you can have proof that they recieved the letters...if they continue collections without validating, sue for fdcpa and/or FCRA violations.

well some of them are kinda past the 30day letter they sent me....

There is no time limit for you to dispute an account.Per the written laws if you dispute within 30 days,they must cease collection efforts until they validate.If the dispute is sent after the thirty days they can continue collection activity,but if it is on credit report,there must be a notation that shows account in dispute.

Well i've disputed it with the credit agency but they said it was valid and updated it, once I get something or nothing from the collections i'll have to send it via mail the the credit agency people..

If they verified that tradeline after receiving your validation request,they broke the law. Since you have sent your paperwork in they are not supposed to verify a tradeline if they have not validated the debt.Contact the credit bureaus with a written letter demanding to know their methods of verification(name,address,etc) as is your right under the Fair Credit reporting act.I would also contact naca.net for a consumer attorney referral since you now have violations that can earn you money and deletion of account info from reports with the proper settlement.

what is tradeline? And I've only sent the verification letters last week..I disputed it online a few months ago.

Tradeline is the legal definition for the account placed on a report referring to every line in that particular tradeline.

I don't remember when it was placed on there, but I just sent off DV's so its been on there a while.