AndySoCal, I certainly see your position. And I cant say explicitly that it is incorrect. So am not arguing with you.
All I can say is that I dont reach the same conclusion.
When a debt collector is authorized collection authority, either by way of assignment of collection authority, or sale of the debt to them, they are an authorized debt collector status under FDCPA 803(6). They can then report a collection to your credit file, during the period they were an authorized debt collector.
The date of referral for collection is set by the reporting status code done by the OC. Once they refer or sell the debt, the debt collector can then report to the CRA under that authority, granted by the OC.
The date of referral date by the OC to the CA then becomes the date that the debt collector can thereafter report, in my interpretation, as their date of collection under the FCRA. That is a real, date certain.
I dont see how any subsequent termination of collection authority by an OC eletes the date of permissible credit reporting of actions they were authorized to report while they had issued legal collection authority. I see NO provision of the FCRA that says that legimate reporting of information is precluded based on when the information was reported to a CRA.
I see absolutely no provsion of the FCRA that prohibits reporting to a CRA of anything more than the accurate dates of the reported delinquency. I see no prohibtions for denial of posting afer any date of derog or delinquecy has occured.
