Help: With a possible Statue of Limitation Credit Issue

[GLIGUY23]

I see what you are saying.I have included the what the OC is reporting in 2009 and what the CA is reporting. On the OC File I do not see anything that shows the DOFD. Let me know if you see it I am thinking I will have to call Experian. 

Attached is the Experian Report from 2009 that shows the OC's information

Here is a screenshot of the new CO that I am referring to:

[Anonymous]

For both of them all i see is Image or video is currently unavailable.  You can probably post a link to the information.

[GLIGUY23]

OC

http://www.flickr.com/photos/55149513@N04/8611640131/

Collection

http://www.flickr.com/photos/55149513@N04/8611640149/

[Anonymous]

Yes, the CA account has definitely been re-aged.

The OC account clearly states it was CO 1 Jan 2006.  The first date of delinquency would have been several months before that.  You will need to call the CRA to get that date.

The CA date of fall off is Feb 2015.  Subtract 7 years from that and you get Feb 2008.  According to the OC account it should be several years before that.

[GLIGUY23]

That is what I thought.. Thanks for helping answer my question. I filed a dispute with Experian pre-mature thinking this was re-aged. I think I will be calling them tomorrow to see if we can get this removed ASAP. 

Thanks again for the help. 

[GLIGUY23]

Update:

After Disputing with Experian I got an update from them saying the account remains.

I called and asked the guy at Experian and he said all the collector does is confirm that the account belongs or doesn't belong on the account. I asked to dispute the item one more time including additional details that I have now that I didn't include in the original dispute.

I am thinking of sending/faxing a DV letter to the CA. Being that this should no longer be reporting based on DOFD and the last reporting date according to the OC is there anything specific I should be including in my DV? 

[Anonymous]

You can send a DV.  If timely, it puts in place a cease collection bar.  They don't have to respond though.

I would send them a direct dispute under FCRA 623(a)(8).  They have to investigate and get back to you within 30 days.  Since you already disputed with the CRAs the CA can say it is frivolous.  However, if you have documents proving the incorrect DoFD they may not.  Leave the bold black and do what the areas in blue ask for.

This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file.

        “This is a direct dispute of credit reporting. This is not a request for debt validation/verification  under FDCPA §809(b).”.
                 
“In compliance with FCRA §623(a)(8)(D), and enacting regulations published at  16 CFR § 660.4, this Notice of Direct dispute includes:

 “Identification of the specific information being disputed:

           (specify the account number, and the specific information that is disputed under that identifying account)

“Basis for the dispute:

            (how the reporting was inaccurate;    was any reporting in violation of any statutory or regulatory provisions?  account or express agreements?  CRA reporting gudelines? Account not yours? etc.)

“Supporting documentation:

            (all documents that support your dispute; it is recommened to also include, as part of your documentation, at least a copy of the portion only of your recent credit report showing their reporting of the disputed information was  actually reported to your credit flle.  The implementing rule suggests a  showing  that it appeared in your credit report)