Called Transunion to dispute - They have no record of CA!!!!!

[karamelkutie]

I am soooo confused. I am also signed up for identity guard and creditkarma (just for the sake of it). I received an alert 2 days ago from CK stating there was a new collection account from Universal Fidelity for $114. This account is from OC BMG Music Services for CD's supposedly shipped in 2005!!!!???????? Is this allowed???? I never received these cd's and also, are they able to come after me for an 8 year old debt?

So I called Transunion to do an over the phone dispute but they had no record of that account being reported on my credit file. I thought that was strange but due to me hearing several bad stories about CK...I decided to accept the answer. Last night I got an alert from Identity Guard stating as well, a new collection account on my Transunion from the same CA. So....I call Tranuinon again today and they say the same thing...no record of this account..... Does this ever happen?????? Also....if this is in fact a true account? What should I do....is this legal to report now all of a sudden?

Please help!!!!

[RobertEG]

As for a collection that old, they are not prohibited from reporting per se, but are required to provide the DOFD on the OC account to the CRA within 90 days after reporting the collection.  If the reported DOFD is more than 7 yrs plus 180 days prior, the CRA is then required to block that reporting from any credit report they issue.

I am speculating that may be the result of the confusion as to whether or not it is included in your credit report.

It is possible that the debt collector reported the collection, but had not yet reported the DOFD.  They have 90 days after reporting to comply with that requirement.

Thus, the reporting was picked up.

Then, when the DOFD was reported, the CRA became aware that it must be excluded from your CR.

The CRA rep may not have picked up that it was reported, but only that it was excluded from posting to your CR.

[ABuckNow]

Hi Robert,

You mention the right to a copy of one's credit file for $11 as a provision of the FCRA.

How different would this information be as compared to credit reports available from, for example, annualcreditreport.com?

In short - how different is a credit file from a credit report?

[ABuckNow]

Whoops, I seem to have replied to the wrong post somehow - apologies for hijacking this thread.