Old account issue

[RobertEG]

A party who reports either a charge-off or collection is required to provide the DOFD on the OC account to the CRA within 90 days of their reporting of the CO or collection.

The OC reported the charge-pff, and also the DOFD on their account.  That reported DOFD is then used to determine the CR exclusion date.

The debt collector, upon reporting their collection, was then required to comply with FCRA 623(a)(5) when reporting the DOFD to the CRA.

It appears the debt collector reported a differnt date, such as the date of their collection referral as the DOFD, and not the same date previously reported by the OC with respect to their charge-off.

Section 623(a)(5) states that if the OC has previously reported the DOFD on their account, the debt collector must report that same date.

They are only permitted to report an estimated DOFD, such as the date of their referrall for collection, if the OC never reported a DOFD, AND they contacted the OC, and were unable to get the DOFD from them.  There thus appears to be clear misreporting of DOFD by the debt collector.

I would send the debt collector a direct dispute, challenging the contradiction between their reported DOFD and that reported by the OC.

Basis for the dispute is FCRA 623(a)(5).

[sayantan1979]

Thank you all for your valuable suggestions. Can someone please tell me how can I attach a file with my post? I would like to attach a screenshot of the report so that it is clearer to all of you. Clearly, all of you know much more than me, and perhaps it would help you if you get to see the actual report instead of depending on my words for it.

[guiness56]

Can you just cut and paste what you want to post?  That's all I do.

[sayantan1979]

I have a scanned copy of the same saved in pdf. Cannot copy from there. Tried doing it but it is too cumbersome. Tried to attach it as jpg as well, but here, the insert picture option is asking for a web link.

[sayantan1979]

Credit Items

For your protection, the last few digits of your account numbers do not display.

BANK OF AMERICA

Address:                                                                                             Account Number:

PO BOX 982235                                                                                 488893299655...

EL PASO, TX 79998

No phone number available

Address identification Number:

0010945858

Status: Account Charged off. $45 Written off,  $44 past due as of Aug 2012.

Status Detaiis: This account is scheduled to continue on record until Dec 2018.

Date Opened:  09/2006                 Type: Credit Card                             Credit Limit/Orìginal Amount: $1,500

Reported Since: 10/2006               Terms: NA                                           High Balance: $998

Date of Status: 08/2012                 Monthly Payment: $0                    Recent Balance: $45 as 0f 08/2012

Last Reported: 08/2012                 Responsibility: Individual              Recent Payment: $0

Creditor's Statement: Account closed at credit grantor's request.

Payment History:

	2012	2011	2010	2009	2008	2007	2006
Dec		ND	ND	OK	OK	OK	OK
Nov		ND	ND	OK	OK	OK	OK
Oct		ND	ND	OK	OK	OK	OK
Sep		ND	ND	OK	OK	OK
Aug	CO	ND	ND	OK	OK	OK
Jul	150	ND	OK	ND	ND	OK
Jun	120	ND	OK	ND	ND	OK
May	90	ND	OK	OK	ND	OK
Apr	60	ND	OK	OK	OK	OK
Mar	30	ND	OK	ND	OK	OK
Feb	OK	ND	OK	ND	OK	OK
Jan	OK	ND	OK	OK	OK	OK

Account History:

Charge Off as of Aug 2012

180 days past due as of Aug 2012

150 days past due as of Jul 2012

120 days past due as of Jun 2012

90 days past due as of May 2012

60 days past due as of Apr 2012

30 days past due as of Mar 2012

Balance History - The following data will appear in the following format:

account balance /date payment received/ scheduled payment amount/ actual amount paid

Aug 2012: $45/ March 11, 2010  /no data

Jul 2012.' $44 l March 11, 2010 / $1 /no data

Jun 2012: $42 / March 11, 2010 / $1 /no data

May 2012: $41 /March 11, 2010 / $1 /no data

Apr 2012: $39 / March 11, 2010 / $1 /no data

Mar 2012: $38/ March 11, 2010 / $8 l no data

Feb 2012: $36/ March 11, 2010/ $15/ no data

Jan 2012: $35 / March 11, 2010 / $15 / no data

Dec 2011: $0/March 11, 2010/$15/no data

Nov 2011: $O/March 11, 2010/$15/no data

Oct2011: $O/March11, 2010/$15/no data

Sep 2011: $0/March 11, 2010/$15/no data

Aug 2011: $0/March 11, 2010/$15/no data

Jul 2011: $0/March 11, 2010/$15/no data

Jun 2011: $0/March 11, 2010/$15/no data

May 2011: $0/March 11, 2010/$15/no data

Apr2011: $0/March 11, 2010/$15/no data

Between Apr 2011 and Aug 2012, your credit limit/high balance was $1,500

TRIDENT ASSET MANAGEMENT

Address:                                              Account Number:                                            Original Creditor:

PO BOX 888424                                 900732....                                                             CICI S PIZZA #55  COPPELL TX

ATLANTA, GA 30356

(866) 695-8893

Address identification Number:

0432539412

Status: Collection account. $49 past due as of Mar 2013.

Status Details: This account is scheduled to continue on record Until Jun 2013

Date Opened:                                   Type:                                                     Credit Limit/Original Amount:

09/2006                                             Collection                                            $49

Reported Sìnce:                               Terms:                                                  High Baiance:

02/2013                                             1 Months                                              NA

Date of Status:                                  Monthly Payment:                              Recent Baiance:

02/2013                                              $0                                                         $49 as of 03/2013

Last Reported:                                  Responsibility:                                   Recent Payment:

03/2013                                                Individual                                            $0

Payment History:

2013

MAR      FEB

C             C

Account History:

Collection as of Mar 2013, Feb 2013.