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DOFD inaccurate on Paid collection..

Valued Member

DOFD inaccurate on Paid collection..

I have a medical collection that I paid in 2008 listed on all 3 reports...and all with different fall off dates and DOFD's. I disputed on all 3 reports a month after I paid in 2008 and they all came back verified. Time to give it another go. Being that it is so old, would it matter if I opened an online dispute or should I go with the conventional snail mail?   BTW, the DOFD SHOULD be 2006. They are reporting anywhere from 2006 to 2008 depending on which report I look at.

Message 1 of 10
9 REPLIES
Valued Contributor

Re: DOFD inaccurate on Paid collection..

If you have proof, then I would make a copy of that proof and send it to the reporting CB(s)

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 2 of 10
Valued Member

Re: DOFD inaccurate on Paid collection..

What would DOFD on medical collection be? 30 days after first bill, no?

Message 3 of 10
Valued Contributor

Re: DOFD inaccurate on Paid collection..

That is my understanding, yes.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 4 of 10
Valued Member

Re: DOFD inaccurate on Paid collection..

Thanks Repo-ed.  UPDATE: I found an EQ report from 2008 and the DOFD is listed as 9/2006. On my EQ report pulled this week, the DOFD is listed as 5/2007. If these come back verified, do I go after the CA for re-aging?  Also, my EX has no indication of DOFD, not even a "this account is scheduled to continue on record until...". Am I missing something on EX?

Message 5 of 10
Regular Contributor

Re: DOFD inaccurate on Paid collection..


WRodPSL wrote:

Thanks Repo-ed.  UPDATE: I found an EQ report from 2008 and the DOFD is listed as 9/2006. On my EQ report pulled this week, the DOFD is listed as 5/2007. If these come back verified, do I go after the CA for re-aging?  Also, my EX has no indication of DOFD, not even a "this account is scheduled to continue on record until...". Am I missing something on EX?



I think you can go directly to EQ with proof that your old report says 9/2006. Re-aging is so wrong Smiley Mad

 

As far as EX yes that's what they show on theirs. I'm thinking that is usually at the 7 yr mark but it can really be on your report 7.5 yrs from DOFD. 

 

I hope you get that fixed ASAP! Good luck!

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Message 6 of 10
Senior Contributor

Re: DOFD inaccurate on Paid collection..

The way I understood, Medical DoFD is the date of medical service, because that's the date most medical providers, ask for payment. Was any payments made to the medical provider?

 

Re-aging thread...http://ficoforums.myfico.com/t5/General-Credit-Topics/Reaging-Information/m-p/3682

 

Ex and TU will have the drop off dates,EQ report will show the actual DoFD, on the CR's you pull directly form the CRA's.

CR's from a third party will not have, all of this info on them.

Where did you get your EX CR  from?


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Message 7 of 10
Valued Member

Re: DOFD inaccurate on Paid collection..


LIGHTNIN wrote:

The way I understood, Medical DoFD is the date of medical service, because that's the date most medical providers, ask for payment. Was any payments made to the medical provider?

 

Re-aging thread...http://ficoforums.myfico.com/t5/General-Credit-Topics/Reaging-Information/m-p/3682

 

Ex and TU will have the drop off dates,EQ report will show the actual DoFD, on the CR's you pull directly form the CRA's.

CR's from a third party will not have, all of this info on them.

Where did you get your EX CR  from?




The date of the service was 9/2006 (I have original bills). I did pay the OC over the phone over a year later, if I remember correctly, but I have no record of it. I bought my EX directly from their website ($10). The collection shows paid,closed. Where other accounts show the drop off date in "Status Details", this one only shows "This item was updated from our processing of your dispute in Nov 2008".  Should I dispute with the 3 CRA's based on incorrect DOFD? 

Message 8 of 10
Community Leader
Epic Contributor

Re: DOFD inaccurate on Paid collection..

What are you using, in your disputes, as evidence of inaccurate reporting of DOFD, and of who reported it?

 

FCRA 623(a)(5) requires any party furnishing information to a CRA regardling an account that has either been charged-off or placed for collection to report the DOFD on the OC account to the CRA within 90 days of their reporting of the information.  If the OC account appears in your CR, they must have reported a DOFD.  Once a debt collector reports, they must also provide the DOFD.  The OC, of course, uses their own account records to determine DOFD.  A debt collector cannot do that, so section 623(a)(5) prescribes a set of procedures requiring the debt collector to obtain or attempt to obtain the DOFD from the OC.

 

Who reported what, and the procedures they used in that reporting, are all a part of establishing the inaccurate reporting of a DOFD. 

 

One way, without considering all of the procedures, is to look at the two absolute reporting requirements for a debt collector.  If they did not follow either of these two procedures, their reported DOFD is clearly, on its face, not in compliance with the FCRA.

The first absolute requirement is that if the OC ever reported a DOFD, the debt collector has no option.  They must report that same date.

The second absolute requirement is that a debt collector can never report a DOFD that is later than the date the OC first placed the debt for collection.

 

If your CR establishes either of those two facts, then debt collector non-compliance with section 623(a)(5) is evident from those facts.

 

If you ever want factual evidence of who reported what and when, you can get that info from the CRA by filing a request under FCRA 609(a)(1) and (2).

Message 9 of 10
Frequent Contributor

Re: DOFD inaccurate on Paid collection..


WRodPSL wrote:

LIGHTNIN wrote:

The way I understood, Medical DoFD is the date of medical service, because that's the date most medical providers, ask for payment. Was any payments made to the medical provider?

 

Re-aging thread...http://ficoforums.myfico.com/t5/General-Credit-Topics/Reaging-Information/m-p/3682

 

Ex and TU will have the drop off dates,EQ report will show the actual DoFD, on the CR's you pull directly form the CRA's.

CR's from a third party will not have, all of this info on them.

Where did you get your EX CR  from?




The date of the service was 9/2006 (I have original bills). I did pay the OC over the phone over a year later, if I remember correctly, but I have no record of it. I bought my EX directly from their website ($10). The collection shows paid,closed. Where other accounts show the drop off date in "Status Details", this one only shows "This item was updated from our processing of your dispute in Nov 2008".  Should I dispute with the 3 CRA's based on incorrect DOFD? 


Is it possible that you made this payment in May or 2007? That might be why it has a DOFD of 5/2007 now instead of the original date of service..?


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Message 10 of 10