JDB and date of delinquency

[Anonymous]

Hello all. I have a collection account that should be less than a year from falling off my report (the original creditor actually removed themselves a couple years early). However, I noticed that this debt buyer is not reporting the original, or any first delinquency date. It is only reporting the date the account was opened, which i'm guessing is the date they purchased it. I am just wondering are they legally required to report the original delinquency date, and how will the credit bureaus know when to take it off my report since the original creditor is no longer reporting? Thanks

[Anonymous]

They have to provide a DoFD. Are you looking at an actual report or a report from a monitoring site? I'm asking because monitoring sites don't provide a DoFD

[AutoBot]

Did the CA ever send you a letter in the mail about the collection?

[RonM21]

rmduhon27 asks a good question. What report are you using?

And if it isn't one of the true credit reports from the bureaus themselves, I'd recommend checking them from one of the sites like annualcreditreport.com or similar. It should be listed there. if not, then there is a problem.

[RobertEG]

A debt collector is specifically required under FCRA 623(a)(5) to report the DOFD to the CRA no later than 90 days after they have reported their collection.

Commercial credit reports often omit the showing of any DOFD.

They apparenty assume that consumers dont understand what a DOFD is, and thus choose not to show it in their reports.

They will often provide a estimated or projected exclusion date, which they produce based on the reported DOFD.

Credit reports provided at annualcreditreport.com will usually show the reported DOFD.