Anyone know anything about Credit Protection Associates or Association?

[navdoc]

What is the name of your state? ****land The CA is in Texas.
I just ran my CR tonight and It looks great. Got bills paid off and nothing negative but one company, Credit Protection Associates. I have done a google search and can find nothing about them.
They are Showing up on my TU and Exp. reports and it is just them not the OC. It was a cable company that I thought I had paid off but I guess I may still owe a little on the account. I have no problem paying them but on the Experian report it is showing 2 entries with different but similar amounts (about $20 difference) amounts with different account numbers and two different dates. TU says that the estimated date of removal is in November of this year.
I only had one account with the OC so I am a little confused as to the second account with different information.
I want to pay this with my tax refund but I am concerned with contacting the CA as I really don't want to be harassed by them and the OC is no real help as they were sold to another company and the debt is old (about 6 years) so they have no real records.
My question is has anyone dealt with this CA before?
What is the possibility of harassment by mail or phone if I contact them to find out what the payoff is?
I missed this amount probably due to the fact that I had to leave somewhat without a trace due to a stalking, physically abusive ex and I was afraid that he would find me so I did not leave a forwarding address. I would like to buy a house in the next year or so and I want this off my report.
Sorry for the long winded post. I guess I should not type when I am tired
I have asked a similar question here before (thanks Ladyinred!) But this is the only thing left. I have worked hard to get out from under the situation that he put me in even enduring a judgement and have managed to get out of most of the debt that I was in. This is just a little confusing as they list themselves (the CA) and the OC in these reports now. A little different from last time.

 

[TigerD]

I would dispute the report with the Credit Bureaus. Just log on to the CRA's website and select dispute link -- Or I am sure someone here will provide you a link to some website with forms preprinted for that.

DC

 

[navdoc]

I would dispute the report with the Credit Bureaus. Just log on to the CRA's website and select dispute link -- Or I am sure someone here will provide you a link to some website with forms preprinted for that.

DC

Will that clear out the one that is wrong? I want to pay the correct one.
The one for less money showed up when I pulled my CR in April for the same amount.

 

[JETX]

If the debt is that old (6 years) and you have had no activity since then, the debt is dead.
Simply send a 'cease and desist' letter (certified RRR) to the CA (Collection Agency). A sample letter can be found at www.creditinfocenter.com/forms/

As for the credit report itself, send a dispute letter (again, certified RRR) to the CXA's (Credit Reporting Agency's) and ask them to investigate and remove the error(s). A sample letter can be found at the same site above.

 

[TigerD]

Will that clear out the one that is wrong? I want to pay the correct one.
The one for less money showed up when I pulled my CR in April for the same amount.

No promises. But here is will happen. You send the dispute letter to the CRA disputing the reporting of these debts as incorrect or not yours. The CRA has to go to the reporting entity and demand proof in a reasonable time usually something like 30 to 45 days.

If the company doesn't respond in time or prove the debts, the CRA has to delete the entry.

Normally I'd just say pay your bill, but it sounds like you have made a lot of progress and really don't know which one is yours. First dispute through the CRA. They may delete one or both.

DC

 

[navdoc]

Thanks! This had been a long road and this is the last hurdle
The good or bad thing is that I don't think that the CA has ever attempted to contact me.