So I called Experian...

[Anonymous]

Hello,

I noticed that one of my TLs on my EX report didn't show a scheduled date of removal, or a DOFD/DOLA (I've posted about this a couple of times, but keeping having questions!).  The only date on the report was "Date Opened - 07/2002" 

I have an old EX report that does show an estimated date the TL will fall off, but none of the later ones.  Anyway, so I decide to call up and ask what they have (knowing the true DOFD is 08/2001).  The rep. I spoke with tells me that the DOFD is 07/2002 - same as "Date Opened..."  I asked if she was looking at the Date Opened and not a DOFD, she said no, and started giving me attitude saying the TL will fall off in '09 and so on.

How can she say that she sees the DOFD as 07/2002 if I can't see that on any of my reports, including the old 2006 report?  Does she see things I don't?

Seems like she wasn't really seeing a DOFD...only Date Opened.  Is that likely?

Thanks

[llecs]

IMO, don't put full faith behind what the reps say. Besides, assuming your DOFD is correct, how can the date opened be later than the DOFD? Unless it was re-aged.

I did have a couple accounts from the past few years loose the "drop off" date. I found that once it reached the 7 yr mark, it tends to convert to a good account and will continue to report for 3 more yrs. Does the account look bad (e.g. CO status, lates, etc.)?

[Anonymous]

Hi llecs,

Thanks for your response.  I believe the Date Opened is after the DOFD as this is a repurchased debt (State of CA purchased it from the original bank lender).  It is quite a strange situation.

The acct. is a negative on my EX report.  The rep. almost started getting defensive when I started asking.  I don't think she saw any dates other than the Date Opened and just went with that.

I disputed, asking for a DOFD and update on the scheduled date of removal. 

[Anonymous]

Can OP DV the CA and, once full validation is received, demand that the CRA reports it accurately or ITS?

[Anonymous]

Spouse has an account from a CA reporting similar on EX.

Is this account past SOL or paid?

If it is paid, I would file a written dispute sent CMRRR to EX and state that the account is reporting inaccurately.

Mention that this is a negative account and FCRA states that it must removed 7 years from date of first delinquency. Date open is not the same as date of first delinquency.

I want to say that I read somewhere(and I am pretty sure it was FCRA if I did) that the creditor reporting has only so many days to report DOFD after they report an account, but maybe I read this in a dream, b/c I am sure not finding it.