DOFD Dispute with TU....

[RobertEG]

I dont put the law aside, for that is what controls all of this sillness. 

Dont simply rely upon what a CRA tells you is the drop-off date!

Consider the source of their data..... it is the reportimg OC or CA.

They are just a repository and shadow of what they are told..

If an OC or collection agency incorrectly reports a DOFD/FCRA compliance date to a CRA, or a CA does not comply with FCRA 623(a)(5)(A) by reporting the date of first delinquency to the CRA within 90 days, then the beef is with the OC or CA.  Not the CRA.

Message Edited by RobertEG on 11-28-2008 12:19 AM

Message Edited by RobertEG on 11-28-2008 12:23 AM

[Anonymous]

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@RobertEG wrote:

I dont put the law aside, for that is what controls all of this sillness. 

Dont simply rely upon what a CRA tells you is the drop-off date!

Consider the source of their data..... it is the reportimg OC or CA.

They are just a repository and shadow of what they are told..

If an OC or collection agency incorrectly reports a DOFD/FCRA compliance date to a CRA, or a CA does not comply with FCRA 623(a)(5)(A) by reporting the date of first delinquency to the CRA, then the beef is with the OC or CA.











Coo

Message Edited by RobertEG on 11-28-2008 12:19 AM

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Yes, so the intentionally misreported the date as their own records show it earlier.  If they confirm it I'll threaten lawsuit against them and send DOFD to CRA.

[RobertEG]

If  you want to legally pursue. then you can immediatelly request to the CRA under section 609(a)(1)  of the FCRA a copy of "all information in the consumers file at the time of the request."

This only requires proper identification of your identify to the CRA, and payment of the fee of $10.50. as required under FCRA 612(f).

[Anonymous]

Hmmm, thanks Robert.  Is that different then the expanded view I get when i view the actual Experian report?