I noticed on my CR, the same fault be reported by two different CA. Also reported to my wife, one of its villains opening of the market for the acct has been listed as 01/1966. It would have been 8 years old. Pretty young to have credit huh ?. lol
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Both the original creditor and one collection agency can report the same account. But if the collection agency is reporting, the original creditor must report a zero balance.
As for the re-aging
Without knowing some specifics it makes it a bit tougher to answer – such as – if it actually states a payment was made on those dates, or if you are looking at the DOLA (date of last activity) and thinking that is what they are claiming as your last payment date. If you are looking at the date the collection agencies are showing as open dates (which is the date the collection agency received the account, not the last payment date). What the date is that the credit reports show as when the trade line will be removed. etc.
If the removal dates reflects the dates that you posted in '03 and in '04 and you are positive that you did not make payments at that time, then it would sound like they had re-aged.
If you don't know the removal dates, it's not listed for some reason, contact the CRA's and ask. Be sure to say that you are NOT disputing the accounts at this time and the call is purely for information only !!!!
Also request that they send you something in writing showing the removal dates.
If you find that they had re-aged the accounts —
First send disputes to the CRA's. Send them certified mail (but you don't have to have return receipt)
If the accounts are verified, then send debt validation letters to the collectors and a debt verification letter to the original creditors. Among other things, request proof of payment on those dates.
Send the letters certified mail return receipt.
When you get the green cards back, file another dispute with the CRA's.
If the accounts are verified again, file disputes with the BBB, FTC, your AG, the collectors AG and the original creditors AG.
If they continue and you have a solid paper trail of trying to correct it, sue them.
You might do some reading in the links I have listed in my profile to the FCRA, FDCPA and especially the last link.
(I'm just guessing that it's Cap One if they actually changed the last payment date, since Cap One is well known to do that. If it is, the Virginia AG is pretty good about dealing with them)
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Reply:ONLY ONE CAN REPORT A BALANCE
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Reply: Two Different Issues here…
I noticed on my CR that the same debt was being reported by 2 different CA's.
Yes, illegal, as others said. Find out who truly owns it.
Also on my wifes report, one of her baddies has the opening date for the acct listed as 01/1966. She would've been 8 years old. Pretty young to have credit huh?…..lol
Is this a 3 in 1 site? If so, check hard copies. They reported me as having a Best Buy card in 1970. Man the Technology back then.
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Reply: I noticed on my CR that the same debt was being reported by 2 different CA's. Also on my wifes report, one of her baddies has the opening date for the acct listed as 01/1966. She would've been 8 years old. Pretty young to have credit huh?…..lol
have you disputed the accounts?
Not yet……still new to the process. Can I dispute one of the CA's listings or just one?
Also Im sure my wife can dispute hers because of the date…..correct?
thanks in advance
Of course. Only one CA is allowed per account at a time. That's the law.
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Reply: I noticed on my CR that the same debt was being reported by 2 different CA's. Also on my wifes report, one of her baddies has the opening date for the acct listed as 01/1966. She would've been 8 years old. Pretty young to have credit huh?…..lol
have you disputed the accounts?
Not yet……still new to the process. Can I dispute one of the CA's listings or just one?
Also Im sure my wife can dispute hers because of the date…..correct?
thanks in advance
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Reply: I noticed on my CR that the same debt was being reported by 2 different CA's. Also on my wifes report, one of her baddies has the opening date for the acct listed as 01/1966. She would've been 8 years old. Pretty young to have credit huh?…..lol
have you disputed the accounts?
February 9th, 2011 
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