DOFD on medical debt with several dates of service, and other questions

[Anonymous]

I ended up filing a complaint. TU has the DOFD as June 2010 (when the CA received the account) and the CA is refusing to give me additional information. 

The whole thing ticks me off. I never once refused to pay. In fact, I offered to pay once I had certain pieces of information in writing - really, just a balance sheet. 

[Anonymous]

Sending you a pm!

[RobertEG]

Under FCRA 623(a)(5), the debt collector is required to contact the OC and attempt to obtain the DOFD.

If they make a reasonablle attempt to obtain the DOFD from the OC, but are unsuccessful, they are still required to report a DOFD, and may then make their best estimate, but cannot report a date later than the date they received their collection authoriyt.

The debt collector is thus not necessarily incorrect in reporting of a DOFD that is the date they received their collection authoirity if they dont know and cant get the actual DOFD from the OC.

[Anonymous]

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@RobertEG wrote:

Under FCRA 623(a)(5), the debt collector is required to contact the OC and attempt to obtain the DOFD.

If they make a reasonablle attempt to obtain the DOFD from the OC, but are unsuccessful, they are still required to report a DOFD, and may then make their best estimate, but cannot report a date later than the date they received their collection authoriyt.

The debt collector is thus not necessarily incorrect in reporting of a DOFD that is the date they received their collection authoirity if they dont know and cant get the actual DOFD from the OC.

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Right. The issue at hand is they know the dates of service. They're contending the DOFD isn't related to the dates of service or even when I was billed, but the date they received it and/or the date the last payment was received.