OC for a closed auto loan (04-07) won't delete. It's reporting to one CB only. No compliance date listed, sent request for it via fax, CB responded 'updated account' but still shows no conspicuous compliance date. So I called and asked for it. According to CB, compliance date is date of LAST delinquency; this was early '07. That means no removal till mid '14. I went back and forth with CB that compliance date from DofFD. Regardless I have hand-signed LTR from OC listing all late pays (10 vs 3 reported to 3) and THAT is a violation of FCRA -- not maintaining accurate reporting. CB suggested going to Attorney General and filing compliant. CB also said I could re-dispute as inaccurate dates reporting. The way I see it, I have no choice but to file in my friendly local federal courthouse. Any suggestions welcome.
Yes. Multiple. Co-signer (according to them) went late 10 times during loan. But eventually paid loan off in full in '07, and was late up till last payment.
Then that's accurate. DoFD is Date of First Delinquency resulting in default or charge-off status. Every time the debt is caught up, the DoFD is reset again, because the previous delinquency no longer will result in the default or charge-off of the debt.
Okay. Disappointed on that, however, the fact that the OC continues to report inaccurate data (wrong delinquency dates, missing del dates, and even shows two delinquency dates past the month the account was PIF (per their LTR to me)...I could still go after them on that, right? 15 U.S.C. § 1681s-2 (a)(1)...
