I received a collection letter Ffrom Midland Credit Management In April stating that they had purchased a debt from Pacific Bell. I checked my credit report and found Midland had already placed a negative and source was Pacific Bell. I allready have a negative on my credit file from a NCO Financial back in 2001 for the same debt though they stated SBC.
I have now been double dinged by two different companies saying they bought the debt from eithier Pacific Bell or SBC.
History: Pacific Bell along with Nevada Bell were part of the Pacific Telesis group. SBC comunications bought Pacific Telesis in I believe 2003.
Reported to the CRA that I had been double recorded for the same debt (awaiting response).
In the mean time I have sent a validation request letter to Midland as I dont think they own the debt that I disputed way back in 2001 anyway. I know the SOL has expired but the fact that I am double dinged annoys me.
Do I have grounds for sueing Midland for Reporting to the CRA a negative that I have allready been dinged for by another company in 2001 (NFO Financial)? They also obtained my credit report without my permission.
Lastly I see Calvary Portfolio Services has obtained a CR file on me (Feb) but has yet to do anything else. I wondering if they are going to be the 3rd company stating they now own this debt LOL. I sent Calvary a letter to determine there permissable purpose for obtaining my CR file. I want to sue them to.
Thoughts?
Thanks
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