Unpaid Collection removed from TU without a dispute

[sjt]

My friend checked  their TU credit report and found that an unpaid collection was removed from their report without any dispite. The DOFD was February 2018. The collection did not fall under the National Consumer Assistance Plan's guideline for collection reporting. 

Do you think TU removed as a part of the National Consumer Assistance Plan's compliance?

[RobertEG]

CRA policy instructs debt collectors to delete a reported collection if their collection authority is terminated and the debt is unpaid.

The likely reason is either that the debt collector has their assignment terminated, or if they owned the debt, they sold it to another.

Thus, I would speculate that the debt collector deleted rather than that the CRA excluded or deleted.

[sjt]

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@RobertEG wrote:

CRA policy instructs debt collectors to delete a reported collection if their collection authority is terminated and the debt is unpaid.

The likely reason is either that the debt collector has their assignment terminated, or if they owned the debt, they sold it to another.

Thus, I would speculate that the debt collector deleted rather than that the CRA excluded or deleted.

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Thanks Robert for your response.

So do you think it will be a matter of time before its deleted from the other two CRA?

[Anonymous]

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@sjt wrote:

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@RobertEG wrote:

CRA policy instructs debt collectors to delete a reported collection if their collection authority is terminated and the debt is unpaid.

The likely reason is either that the debt collector has their assignment terminated, or if they owned the debt, they sold it to another.

Thus, I would speculate that the debt collector deleted rather than that the CRA excluded or deleted.

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Thanks Robert for your response.

So do you think it will be a matter of time before its deleted from the other two CRA?

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It's more like it will be a matter of time that it reappears on your files under a new debt collector.

[grillandwinemaster]

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@sjt wrote:

The DOFD was February 2018.

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What's the correct DofFD??

This could have aged off your reports, if you meant to say Feb 2008.

Otherwise, Donny is correct. It's a matter of time before it reappears. 

[sjt]

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@Anonymous wrote:

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@sjt wrote:

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@RobertEG wrote:

CRA policy instructs debt collectors to delete a reported collection if their collection authority is terminated and the debt is unpaid.

The likely reason is either that the debt collector has their assignment terminated, or if they owned the debt, they sold it to another.

Thus, I would speculate that the debt collector deleted rather than that the CRA excluded or deleted.

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Thanks Robert for your response.

So do you think it will be a matter of time before its deleted from the other two CRA?

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It's more like it will be a matter of time that it reappears on your files under a new debt collector.

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It wasnt removed from the other two CRA and its past the SOL, and scheduled to be removed by 2/18. 

Im thinking TU removed as part of the National Consumer Assistance Plan compliance as the collection does not fall within the new reporting guidlines.

[sjt]

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@grillandwinemaster wrote:

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@sjt wrote:

The DOFD was February 2018.

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What's the correct DofFD??

This could have aged off your reports, if you meant to say Feb 2008.

Otherwise, Donny is correct. It's a matter of time before it reappears. 

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The DOFD was February 2011, so it would drop off around February 2018.

[RobertEG]

Under what provision of the National Consumer Assistance Plan do you feel it qualified?

[sjt]

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@RobertEG wrote:

Under what provision of the National Consumer Assistance Plan do you feel it qualified?

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"Eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as traffic tickets or fines."

[Anonymous]

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@sjt wrote:

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@RobertEG wrote:

Under what provision of the National Consumer Assistance Plan do you feel it qualified?

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"Eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as traffic tickets or fines."

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What type of collection account is it for?