Looks fishy...TU and EX report DOFD...right?

[kamila7]

On all my accounts (six of them) TU and EX date to fall off are about the same give or take 2-5 months, understandable right because it is 7-7.5 year fall off time. 

On one account, that I know is not all mine (electric company charging me for past tenants use, when I didn't even live there), The fall off dates vary by A YEAR and SIX months... TU: 3/2009, EX: 9/2010

Now that doesn't seem right...I want to DV them because I don't feel it is valid, but I don't want to get sued if they validate...although there is nothing they could show that I signed or called or anything to show I opened this account with the company.

I need this to come off sooner than later, want to apply for loan, and because it is a collection on TU and a delinquent account on EX, I presume I would have to have it paid off...Or should I just risk it since there is no paper trail for them...?

Any suggestions?  Really appreciate the help! Thank You!!

[Anonymous]

Ummmm what do you mean by *not all mine*???

Who is reporting the OC or a CA?

[kamila7]

It is an electricity bill, my portion would be 400-500 TOPS!! The rest belongs to whom ever lived there prior to me and never paid the bill, well they decided to group it together and put it all on me...

The CA is the one reporting...

Message Edited by kamila7 on 04-06-2008 11:07 AM

[dragnldy]

Do you have a letter or statement showing when you moved in?  You can use that to show the util co proof of when you should have started being billed.  They can't charge you for a bill you weren't there for.  You had to open the account and it should have the date you opened it.  Send them a letter requesting all account information that was in your name including payments.