Debt reporting again after dropping off after the 7 year time period

[llecs]

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ProudMomof5 wrote:
Santander may be an OC but that wasn't the OC I financed my car through.  I financed my car through Triad.  On my credit report it's posting as a chargeoff.  Even if they are an OC they shouldn't be able to start over the date of delinquency.

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Santander bought out several companies and decided to re-report some old stuff. I'm just now studying this, but if the account is reporting bad on the FICO report it is because they may have illegally re-aged some stuff. Appears it'll be a fight for many.

[ProudMomof5]

That's exactly what they're doing.  I contacted them and they told me to contact Transunion which I did.  If they don't delete it I will report them to the BBB and if I need to I will send the BBB a copy of my old credit reports that show it's already been listed on my credit report for 7 years.

[ProudMomof5]

I filed a complaint with the BBB.  I've been working too hard this last year cleaning my credit to have something that's been reported for 7 years get reported again for an additional 7 years. 

[Red22]

My OC was also Triad.  I filed a complaint with the FTC...should I file one with BBB too?

[ProudMomof5]

I would try anything at this point.  When I went on the BBB website and looked Santander up they have over 500 complaints.  Alot of the complaints they received are regarding the same thing.

[newstart2010]

We had a car with Drive Financial years ago, and when my husband lost his job we turned the car into them.  Santander bought their debts, and even though the car was repossessed and left with no owning balance Santander is trying to collect for the remaining loan amount that we had BEFORE we turned the car in.  We also have no idea how to begin fighting this, but its a large TL on our credit that should not be there at all.

[Anonymous]

I have the same situation. Car purchased from triad in 2000 DOFD 01/2003. It was removed from EQ and Santander posted on TU with new dates. Estimated drop off 2016. I filed complaint with BBB and AG. I disputed with CRA and came back verified. At the time i did not know that Santander purchased Triad so I assumed it was a CA. I sent DV and cam back with formletter "we have reviewed our records and the are accurate" I did contact an attorney and he has sent a letter asking them to provide all the info I have requested (signed contract and payment history since they are the OC now) or remove it. They also show the account changing from Joint to individual?? I have copies of other credit reports that show the original dates.and sent them to CRA and they didnt do anything. I paid $10.50 and requested my file details and am waiting on the results.

[Red22]

What state are you in?  I would like to do the same!

[ProudMomof5]

Who are you directing the question to? 

[Red22]

Okay you guys, This issue is just a pain and it's been taking way too much of my thoughts throughtout the morning...so I called Santander to inquire about the account.  After being on hold and transferred a couple of times and finally ended up in the Bankruptcy Dept., the CSR asked what was the purpose of my call and I stated that I wanted to inquire about an outdated account that was placed on my CR. He got my info and said when was the account open and I told him 2/2000. I then explained that this activity is against the law, etc...  I was put on hold for about 1.5 minutes (twice I might add). When he finally came back he told me that this was a Triad Acct. (duh) and asked when was the account re-inserted onto your CR, I told him 11/2009.  He said that they just purchased Triad in November 2009 and there is a glitch in their system and I should just dispute it with the CRA and that should take care of it. 

He made it sound so easy....but I know better!!