topic Re: Reporting question in General Credit Topics

Reporting question

Anonymous — Wed, 14 Oct 2015 10:41:13 GMT

I have an original account scheduled to be removed in 3/2016. The account is also with a collection agency called Atg. They have re-aged the account so that it does not come off until 2/2017. I have disputed this account twice with the cra and they have "verified" it. What do I do now?

Re: Reporting question

Anonymous — Wed, 14 Oct 2015 14:11:03 GMT

If you have definitive proof, then file a complaint with the CFPB. Tell them that the CRA has verified false information and the CA has re-aged the account. File this in two different disputes.

Re: Reporting question

Anonymous — Wed, 14 Oct 2015 14:16:32 GMT

Thank you. I just did. Unfortunately I only filed one complaint. I will see if I can do another.

Re: Reporting question

RobertEG — Wed, 14 Oct 2015 21:54:20 GMT

By stating that they have re-aged when the charge-off reported by the OC or the collection reported by the debt collector must become excluded from your credit report, you are asserting that they have reported a later DOFD to the CRA.

Do you have evidence that they have changed the creditor has updated their reported DOFD to a later date, and if so, that it is an inaccurate DOFD?

Re: Reporting question

Anonymous — Wed, 14 Oct 2015 22:26:05 GMT

I didn't include a copy of my credit report, but think i'm going to email them it. The report clearly shows the original account falling off soon. I called the cra and they told me the dofd is a lot different from the one they reported. I disputed it with them twice and both times they validated it. When I ask experien how they could do that, he told me they basically just report what they reply without any evidence on their part.

Re: Reporting question

RobertEG — Wed, 14 Oct 2015 22:35:17 GMT

The issue is whether any updated DOFD is accurate, not simply whether it is updated.

It is not per se improper for a creditor to change the reported DOFD. If, upon review of their records, they determine that a previously reported DOFD is not accurate, they have the obligation to update that reporting.

Thus, simply providing a prior credit report as evidence that they have changed the reported DOFD is not adequate to show that the reproted DOFD is inaccurate.

You would need some documentation, such as your own account records, to show what you contend the DOFD should be.

Absent such documentation, the CRA can properly rely upon the verification provided by the credtior as adequate for them to conclude their reinvestigation with their own verification.

Re: Reporting question

Anonymous — Wed, 14 Oct 2015 23:10:57 GMT

Perhaps I'll dv them. There is no way that account is that new.

Re: Reporting question

RobertEG — Thu, 15 Oct 2015 18:52:39 GMT

If it has been more than 30 days since they sent dunning notice, then a DV would not be timely, and thus would not impose any cease collection bar as any incentive for them to provide any validation. They would likely ignore a DV.

Additionally, the issue of accuracy of their reported DOFD is unrelated to a verification of the debt, in whole or in part, and would not be part of any verification they might send.

I am unsure as to what a DV would accomplish even if they chose to respond.

Re: Reporting question

Trying37 — Sun, 18 Oct 2015 07:35:36 GMT

I'm new here so I hope I am responding to the proper thread. My situation is a little different, but I have a sense that my DOFD is and has been reporting incorrectly since 2011. I just need to understand if my documentation is a slam dunk. If so, it will be the final collection removed from my CR!

Here's the situation. I hope you or someone else can help:

Apartment lease ended 9/1/2010.

I moved out 7/31/2010 owing late fees and the remaining rent for the lease including partial rent for July.

DOFD reported as 8/1/2010 ( I have verified this with the CRA's)

Date opened (CA): 12/2010

Date reported - 4/2011

Settled: 2/2015

CRA (EX & EQ) report as Paid $0 balance.

Not listed on TU at all

I received a notice from the OC shortly after leaving the apt, filed it in my file cabinet, and left it there until a lightbulb went off in my head today - 5 years later after reading these threads!

The letter is called "Statement of Deposit" which basically lists all of my charges including late fees:

4/2010 - 5/2010 $3.00 MTH fee

5/2010 - 6/2010 $3.00 MTH fee

6/2010 - 7/2010 $3.00 MTH fee

7/31/2010 - Rent $918 (partial amt I failed to pay)

8/31/2010 -- Rent $1335 (full month's rent)

There are additional late fees and misc charges with no specific dates listed which are much more expensive. Then at the bottom of the statement they subtract my $500 security deposit from the amount due.

Correct me if I am wrong:

1) Shouldn't my DOFD be 5/2010 since they listed the fees in a series?

2) If they have 180 days to send it to the CRA, wouldn't they have missed that deadline since my DOFD is in May 2010 and the CRA didn't get it until April 2011? (I may be misunderstanding this)

3) Even if the DOFD of 8/1/2010 was correct, didn't they still miss the 180 day mark??

4) If I am correct, should I start by disputing with the CA, get proof that they are sticking to the original DOFD , then send their letter plus my documentation to the CRA?

5) Or should I go straight to the CRA with what I have?

Sorry for the long post. I really appreciate any help I can get on this matter.