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Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
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Re: Received response....

[ Edited ]

The OC had the DoFD of 10/12 What state are you in? They violated a bunch of FDCPA laws and FCRA laws. 

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: Received response....


2FixMyCredit wrote:

dcreportexperian.jpg


Those dates do not mean anything as far as the exlusion date.

 

Date opened is the date the CA acquired the debt.  The rest of the dates, all the same, are the dates they reported to the CRAs, status of the account on the date reported and when it was last reported.

 

I don't see anywhere that they are saying the DoFD is 3/2013.

Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: Received response....

I am in FL.

 

I assumed the date opened would have been the DOFD, no where on that report I pulled up did it say DOFD, to me it just looks like its a newer debt when it isn't.  DOFD from what the OC says was either 10/12 or 07/2012. Two different CSR said two different dates earlier today.

 

Do I have any options left? :\

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
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Re: Received response....

There can only be one DoFD from the OC. Where did you pull the reports from?

Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: Received response....

I pulled the above from experian.com.  I called the OC for the DOFD I don't think the second person I spoke with knew what I was talking about since I had another CSR say it was 10/2012 as well.  The OC never reported to the cra's.

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
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Re: Received response....

Experian has drop off dates.  I think to find that you would need to pull up a dispute report to check that date. 

Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: Received response....

Oh ok, will TU or EQ show the DOFD?

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Moderator
Posts: 13,871
Registered: ‎04-15-2011
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Re: Received response....

Only EQ will list a DOFD.  TU and EX will list a date this is expected to be removed.  You would count back 7 years from that to get your DOFD.

 

I agree with guiness, with that posting, there's no indication of the DOFD which would set the SOL and the CRTP.  Date opened is the date the CA got the debt, this has nothing to do with starting the clock.  You will need to pull a more accurate report.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: Received response....

Ok thanks. I've signed up for EIDT so when that comes through I will update you all here and see what can be done.

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Moderator
Posts: 13,871
Registered: ‎04-15-2011
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Re: Received response....

Sounds good.  Get that done so we can get the ball rolling!!!!!



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
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