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07-12-2012 05:57 AM
I had a collection with Verizon that dissapeared from my credit report and then about a month later reappeared as a collection with Midland ! My Verizon acct was about to drop off and now its been redated with midland as 6/2012 !!! So do I pa this account ? I know they wont PIF ! And GW Is impossible with them , Will not paying this help me at all ? Not sure what to do !!!!! Thanks
07-12-2012 05:59 AM
Someone else that knows more will hopefully chime in but from what Ive read, this should still have to fall off the same time the Verzion was supposed to fall off, if you dont pay it. I believe legally it still has to be removed at the 7.5 year mark from the date of first deliquency. So you can report it to BBB if it does not.
07-12-2012 07:21 AM
07-12-2012 08:47 AM
@sassy_Taurus, I have same issue with Midland. Collecting on an old imagine card. I filed bbb complaint. Still waiting for outcome
I also filed with the BBB. They still are not budging. It's bad because I don't recall having tribute. The response back to the BBB was to have me file a police report or submit a notarized affidavit saying that someone stole my identity.
07-12-2012 12:17 PM
You need to get the DOFD on the OC account, thus fixing the date of normal CR deletion.
If the reporting by the debt collector was actually an update of the DOFD, which I highly doubt, they would be in serious violation of FCRA 623(a)(5).
I would first suggest digging out an old CR when the OC was still reporting. If the OC ever reported a DOFD, the debt collector reporting requirement would be fixed in stone as the same date reported by the OC.