How long will these accounts be reported (on EQ)? When does the 7 years start? This is in the "Collection Accounts" section: Date reported: 03/2002 Balance date: 03/2002 Last activity: 2/2000 Date assigned: 11/2001 These are in the "Credit Information" section: Date opened: *empty* Last activity: 10/1998 Date reported: 1/2002 Date opened: *empty* Last activity: 2/2000 Date reported: 2/2002 Date opened: 05/1998 Last activity: *empty* Date reported: 4/2002
Use that info (or lack thereof) to have them deleted! The date of deletion is defined as 180 days after the FIRST DATE OF DELINQUENCY. That is the day on which you stopped paying the OC or stayed continuously past due. The first date of delinquency should be on there. I used this fact to have a coll removed. They reported coll orig date of 5/2001 for a debt in TX. I left TX in 8/2000 and stopped paying the dentist about 6 months before that! Incorrect dates = deletion. Good luck!
Sorry for the delay Love. I don't have that letter with me, but in a similar case, here is my letter to Experian that got a delete for the incorrect DLA: SCMomof5 111 Street. Upstate, SC 29000 Experian Attn: Kim Hughes, Specialist Consumer Affairs Special Services 701 Experian Way Allen, TX 75013 Date: 20 June 2002 Re: Ongoing Disputes with allegedly â??verifiedâ? information (1) Transouth (2) AAA Collectors (3) Diversified International (4) Credit Management Inc. (5) First National Bank of Marin Dear Ms. Hughes: I spoke with Sherry (Team United) yesterday. I was upset that once again, Transouth allegedly verified their listing under acct 64214191633. As I pointed out the Sherry, it is IMPOSSIBLE to have the dates recorded. According to this listing, They have reported this debt for 2 years prior to opening the account. I was allegedly 30 days late 12 months before it was opened and on the month that the account was opened, I had the priveledge of starting out in 60days past due status. (I think not!) In addition, they cite that this was in BK from 1/03/2000 to 10/31/2001 and your own records show that I was NOT in bankruptcy during those dates! In October, 2001 Transouth (TS) and Arcadia merged. When I called TS on 6/19/02 this is what happened: Called Greenville, SC office. They told me that since my account was not local, they couldnâ??t help meâ?¦ call 1-800-777-3584 Called 800-777-3584 and told to call 888-872-6768. Lynn answered, asked for my SSN and upon pulling up something on her computer, transferred me to â??the department that is handling your account.â? Ms. Birch answered and began to discuss my account as if it was current. When she mentioned my insurance company, I told her that I wanted to discuss the alleged TRANSOUTH account, not my Arcadia account! She said there is NO RECORD of any other account. She told me to call the office in the location where I got the loan. I asked for the number in Ft. Worth TX and she told me â??that office no longer exists!â? She told me to call manager Richard Seely @ (919)735-1841. Mr. Seely told me that I was not in their system. He also told me that he could not have the tradeline deleted and that they â??donâ??t report to credit bureaus.â? Dare I say that we know better. Instead of DELETING the tradeline, your representative, Sherry, told me that she would forward this to the â??data validationâ? office. It is more than obvious that Transouth/Arcadia cannot possibly verify this account, much less, the sequence of bogus data. Given the fact that you and your personnel can read, and are aware of your responsibilities under the FCRA; I must insist that this tradeline be immediately deleted. ANYONE looking at this tradeline can see that the data cannot possibly be accurate! AAA Collectors : I called their office on Academy Blvd in Colorado Springs. I was told that they no longer had the account and that it was sent to their lawyers office (845)678-7000. I called this number at which time I found their names to be Cabrera and Associates. They could not locate an account for me. I left name, number and address. I have never heard back from them. I sent a validation letter to AAA Collectors, certified mail return receipt. They have not responded. They have not validated the debt. I insist that since they cannot and will not validate this debt, you delete there accounts immediately. Credit Management: They have the DLA on this Texas based original creditor as 5/2001. That would be difficult as I have been in SC since 8/2000. This is not only an unverifiable account, this is in violation of the FCRA with respect to reporting "FIRST DATE OF DELINQUENCY". If I, in fact, was the debtor on this account, then the first date of delinquency must antedate my move to SC in 8/2000. As you can see, it does not. I want this DELETED. Diversified International: : I sent them a letter of dispute. They have not identified this as a disputed account with you. They have not validated the debt. Delete. Attached is the communique I have received from FNBM. Please correct data. Regards, SCMomof5
