cancel
Showing results for 
Search instead for 
Did you mean: 

Collection agency DOFD

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
New Contributor

Collection agency DOFD

So I have a collection account from Comcast which was assigned to a CA. The DOFD on that account shows March 2018, so I am guessing it is the date that CA bought the account. Shouldn’t DOFD remain the same? So in this case from November 2016?

I disputed the account with TU and it came back verified. DOFD wasn’t changed either. Should I write back to TU asking for their verification method?

Thanks,
2 REPLIES 2
Highlighted
Regular Contributor

Re: Collection agency DOFD

DOFD won't change unless you made payments and brought the account current.  At least that is my understanding.  Is your credit report showing DOFD as 3/18?


Starting 5/2018

Current 3/2019
Message 2 of 3
Highlighted
Legendary Contributor

Re: Collection agency DOFD

Do you have documentation of when the account with Comcast first became delinquent (such as old bills), and that it remained delinquent up to the date it was referred to the debt collector (which will be the Open date of the collection)?

DOFD is, by definition, the date of first delinquency that immediately preceded the assignment of collection authority, and not the date of assignment of collection authority.

 

If you have documentation, file a new dispute contesting the accuracy of the verification of the DOFD in the prior dispute.

You must include new documentation in order to get a subsequent dispute on substantially the same basis considered.

 

Alternately, you could proceed to filing of civil action under FCRA 623(c) since you now have a verified dispute with unreasonable investigation of its accuracy.  However, filing a renewed dispute with new documentation would be more prudent.

 

 

Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.