If the collection is on the same debt, and the debt remained delinquent between the charge-off and the referral for collection, then the DOFD should be be same for both the CO and the collection. The creditor reported a DOFD of 02/2010 with respect to the charge-off, while the debt collector reported a DOFD of 08/2010 with respect to their collection.
The debt collector was requried to have used the same DOFD as that reported by the creditor. FCRA 623(a)(5).
Thus, you appear to have a basis for disputing the DOFD reported by the debt collector, with your posititon that it be corrected to read 02/2010.
Both should have the same maximum exclusion date of no later than 7 years plus 180 days from the DOFD.
However, they will not necessarily both be excluded at the same time.
The CRAs regularly provide an early exclusion at approx 7 years from DOFD, so there can be some variance in when they actually exclude. It is likely that both will become excluded after 02/2017, but there would be no requirment that either be excluded until 08/2017.
You can always request the furnisher of any derogatory reporting to delete that reporting at any time. Their grant of a good-will deletion is totally voluntary on their part.
Additionally, the CRAs may agree to exclude a few months earlier, and you can always request a lew months extra early exclusion directly with the CRA.
A DV is not appropriate. There is no remaining debt to validate. Also, it would be untimely, and thus would impose no cease collection bar. Even if it did impose a cease collection bar, there is no requirement to ever respond to a DV, and with no debt remaining to conduct any collection activities, a cease collection bar is meaningless.
They would ignore it.
