Howdy. Long time no post. I'm a former regular-ish person around here. I used to work as a bill collector, and posting here to try and help people was my way of attempting to atone for my sins. I got a collection letter today for a bank account that charged off back in 2006. Of course it was like $600 at the time, and now it's over $1400. Apparently LVNV (who has been calling and sending me mail) sold it or reassigned it to Allied Interstate. I was just going to let it die, but I looked on my credit and they are reporting it as a separate tradeline. Wrong dates, etc. So I want to pursue that, but I wanted to wait and see if they removed it when it *should* be removed. The letter I received today said the account was charged off in August of 2006, which means it should be off my credit bureau report in a month or so. Here's my question: Should I call and tell them I will offer $100 in exchange for removal of all trade lines? I was thinking of waiting until a day or two after the 7 year mark, pulling my credit, and then calling with that offer. Of course I wouldn't give them money without the agreement in writing, but I feel like if I point out they are violating FCRA by reporting incorrectly they might be more apt to make a deal. Plus, I hated working there and would really like to stick it to them in some way. Thanks! Chuck D, former miserable bill collector (now I work in IT, so I'm miserable in an entirely different way!)
Once it's past the 7 year mark, why offer anything?? If you're also past the SOL, there's nothing they can do. If you just want it off your reports, call the CRAs August 1, and ask when it will be removed. If you get a halfway decent rep (LOL, no jokes about this please), they're just put in the request to have it removed and it should be done within a couple of days. Either way it should just fall off within 7 weeks. Are you saying that the DOFD on your report is different from the DOFD date in a letter you received? If so, you may have a 15 USC 1692e (2) (a) violation brewing.
Whatever you decide, obviously be 100% it's past the SOL to avoiding waking up this beast. Essentially you just want to call this company out as soon as you catch them in violation of the FCRA? Also I love Public Enemy.
I would never call. On the 30th day send via fax a DV. That should take you to the beginning of August. As soon as the fax goes through, dispute every single piece of specific incorrect data, listed individually. If AI verifies and any 1 of the data points is incorrect, you have 2,000 in ypur pocket for violating the FDCPA, and FCRA. If after the month ends its still showing, dispute it as obsolete, then they verify, the are up to 3,000.
