Help Regarding collection

[from500to700]

Hello everybody , 

Today i recive an alert from Experian stating that a major delequincey appears on my report , 

I login and it shows a collection agencey and it says account open on 08/01/2015

I have never recieve nay letter from them , 

I have no clue what is this debt about.

What is the best thing to do should i aproach the credit report or the collection agencey or what should I do. 

I see their address on the credit report. 

Thanks for all your expected help.

this is what shows on the report 

Account Name VANCE & HUFFMAN LLC

Account # XXXXXXX

Account Type Bulk Purchase Finance Balance $8,732.00

Past Due $0.00

Date Opened 5/1/2015

Account Status Mo.

Payment $0.00

Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

High Balance $0.00

Limit $0.00

Terms 1 Month

[from500to700]

The only thing I can think of is a landlord who was paid through a collection agencey before the date this debt goes to the collection agencey 

Also should I call them by the phone or mail them ? OR should i approach the CR

and how should I approach them , Thanks allot in advance for your help.

[from500to700]

I called them and they say it is from Chase Bank an account that was open from 2007 and The account is not showing on my credit report do they have the right to show the collection , first delequincy was more than 7 years ago . 

What should I do in this case . 

Thank you all for your help.

[RobertEG]

If/when a debt collector reports a collection to a CRA, they are required to also obtain the DOFD on the OC account and report that DOFD to the CRA.

The CRA then uses that reported DOFD to determine whether they can include the reported collection in any credit report they issue.

The DOFD must be providied to the CRA within 90 days of reporting of their collection.

If it has been more than 7 years plus 180 days from the DOFD, the debt colector will most likely not even report it, as their reporiting will not see the light of day.

That is not of substantive concern at theis point.

They can report to a CRA prior to sending any communications to the consumer.

You can send a request for debt valiation, which if you send prior to receipt of any dunning notice or within 30 days of receipt of a dunning notice, will impoe a cease collection bar on the debt collector until they provide the requested debt vlidation, but will not require them to delete their prior credit reporting.

[Anonymous]

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@from500to700 wrote:

The only thing I can think of is a landlord who was paid through a collection agencey before the date this debt goes to the collection agencey 

Also should I call them by the phone or mail them ? OR should i approach the CR

and how should I approach them , Thanks allot in advance for your help.

---

As Robert indicated, a DV would be in order first.

I would also send them a direct dispute asserting that they have not obtained the correct DoFD on the account. Once you have established the correct DoFD, the CRA's should automatically exclude it from your reports, and you can treat it as Zombie debt. 

[from500to700]

I have not receive anything from them , no duning nothing. So you recommend I send them a debt validation , and in that letter I state I want to know when is the date of first delequiency. Am I understanding what you telling me correctly.

Thanks