iltph wrote:
I sent a DV to a CA and they validated by sending me a printoff that my old dentist sent them for the collection. The first time I paid the dentist was in Feb 2001, the insurance company paid most of the bill in Apr 2001 and the dentist sent me a bill for the remaining balance in Apr 2001, which I never paid. The dentist's printoff shows a list of statements that were printed each month until Nov 2001 when it was charged off.
I just called EX and they said the CA is reporting that the account went deliquent in Nov 2002. Shouldn't the correct date be May 2001? (30 days after the dentist sent me the bill)
What should I do? Should I mail a copy of the Account History from the dentist that the CA sent me to EX using CMRRR and say that the CA is reporting inaccurate info? Or should I just fax it?
DOFD would be May 2001.....the DOLA would be April 2001. The CA has reaged the account.
I would send a *ITS* notice to the CA. Letting them know that you are aware of the federal law.
violated Section 623(a)(5) of the FCRA, which specifies that any entity that reports information to credit bureaus about a delinquent consumer account that has been placed for collection or written off must report the actual month and year the account first became delinquent. In turn, this date is used by the credit bureaus to measure the maximum seven-year reporting period the FCRA mandates. The provision helps ensure that outdated debts – debts that are beyond this seven-year reporting period – do not appear on a consumer’s credit report. Violations of this provision of the FCRA are subject to civil penalties of $2,500 per violation.
I would prefer not to have my attorney litigate for any violations. As this debt is past CRTP please delete within 5 days...........let them try to figure out what CRTP means if they don't understand.
Always file a complaint at
www.ftc.gov also with your AGs office.
Keep hard copies of your CR.....if asked by the FTC that is what they will want.
