Below is an account of how I got the UDF in the first place. In case it might help anyone in the same situation. P.S. The date that the CA put on the UDF as first delinquent is the date that the CA got the account, NOT the date that the acct allegedly became past due. There is a one year time difference between these 2 dates, thereby increasing your 7 year start time by one extra year. I was looking at a copy of the UDF that the CA faxed me today. At the bottom was the following statement (regarding the date that they must write on the UDF as the "First Date of Delinquency": States: 'Defined as first date of delinquency leading up to charge-off or collection status. REQUIRED FOR LEGAL COMPLIANCE TO THE FAIR CREDIT REPORTING ACT. (Caps not mine ) *** I had disputed an unpaid medical collection for a bill for a doctor who must have been part of a team of docs that treated me in the hospital. I had disputed with the CRAs in Dec. They deleted from no reponse from CA. All of a sudden, they show back up on CRs. Today, I call the CA and tell them very calmly that I need the name of their POC in the legal dept. to whom I should send service of lawsuit. (This is a local CA in my city). Once the guy got on the phone I told him that I had disputed once, they were not able to validate, and now because of recent reinsertion, I was attaching them to a lawsuit against the CRA for inaccurate reporting. From his reaction, I hope he was wearing a Depends. He apologized and starting talking about how they were bought by another company and somehow their response to the CRAs request for validation must not have been accepted by the CRA because of lack of legal signatures, blah, blah, blah. He put me on hold, and came back and started spouting off what info he had. Dates that I was in the hospital, name of my insurance company and name of my hubby who was the holder of the insurance. I told him that was not validation. He said he would have to talk to a supervisor because they were not allowed to delete for ANY reason. I said well, that is up to you if you want to pay thousands in legal fees over a $50 entry on a credit report. I told him I have no problem going to court and forcing them to account for every service and every Tylenol that allegedly makes up the cost they are trying to collect. He said he could lose his job over it, but he was going to make the decision himself to sent out a UDF. I also told him to send me what he had on me in his file. Get this..... 2 pieces of paper. Computer printouts of when my insurance company made payments to the hospital. That is it. On the line where the patient signs to give authorizatin for insurance billing, etc, there is NO signature. No itemization whatsoever of any services provided, my SSN was not on there, and my name was misspelled. I told him that this didn't prove anything and if I didn't get that UDF within 15 minutes, I was going to attach them to my suit. ( Which I would have fully followed through with) I tell you, anybody can collect for anything and they don't even have proof of a valid debt!! ***
