Hello Sidewinder,
Yes I do have a report from equifax and I have the recent dispute result page , which looks like they are saying this account will remain in a negative state for another 7 years from DOLA.
Balance amount 0, amount past due 0, date of last payment 3/07, date of first delinquency 11/05 date of last activity blank, date of first major del reported 2/07 charge off transfered sold
I called Equifax today (thanks to one of the numbers someone here listed) and I got an actual person. She told me that the date of last activity is what is federaly mandated . She didn't seem to know anything about DOFD. I asked for their legal office or compliance department and she tried to give me the FTC phone number.
I insisted that the date that should be used was the date the account first become delinquent from which it was never again current. FDIC regulations regard accounts closed due to delinquency as "collection" accounts. She then told me that she had a date of first delinquency as March of 03 -----not quite sure how I have a March 03 date and a November 05 date but she was insistant that she had the date of first delinquency as March of 03. The account was closed by the OC either in 01 or 02 so the March 03 date makes more sense to me
I also told her that in NY (my state) collection account which are paid (zero balance) can be deleted as obsolete at the five year mark rather than the 7 year.
. She took the information for another investigation where I specifically disputed the date of first delinquency (11/05) as incorrect and I also disputed the date of last activity as the date to be used in determining the start of the FCRT .
I'll let you know how it turns out... in the meantime any thoughts on the two dates of fist delinquency. Account was closed by creditor the entire time....I don't think it could have been considered to be "redeemed" and current and able to have a new first delinquency two and a half years later. Any thoughts?
