My question involves collection proceedings in the State of: Connecticut
Hi guys. Interesting scenario.
I had a debt with verizon wireless didnt know about.
Moved to sprint, they were supposed to buy me out of my contract. Never did.
I found out when I pulled my report and saw the debt.
I immediately contacted verizon to arrange payment.
They informed me that they could not accept payment as they had sold the debt.
They gave me the name of the collector, Convergent outsourcing.
They gave me the phone #, and a reference number.
NOTE: Convergent had not at that time, and still has not, reported the debt on my report.
The contact at Convergent pulled up my account, made me a settlement offer, and I paid my debt. Got a receipt for "settled in full" and went on my way.
Fast forward 2 months, and the verizon tradeline updated to paid settlement.
I called verizon, curious as to how they could report on what I understand to be Convergent's debt.
I was transferred to a special department, and the woman there informed me that AFTER I paid Convergent, they transferred the debt ownership BACK to verizon, and they have full right to continue reporting the debt, and collect on the difference if they so choose.
Is this right? I was of the understanding that once a debt ownership is transferred, the OC could no longer report updates, as it is not their debt.
What are my options here? Ideally, I'd like the tradeline removed. Which I understand may not be possible.
What should I do next?