Hi I just got off the phone with a TU rep who informed me that (unlike EX) the DOLA or the 7year reporting period is shown on the report as "placed". so I explained that the CO in question was on it's 2nd CA and they are reporting it incorrectly. To which she told me "if it went into collections, it won't fall off for 7 years from the time the CA bought the account!" I asked her if she was sure about this and she said "yes" and even gave me an example! I said "so the original date that the account went delinquint doesn't matter at all?" She said "no not if it's been bought by a CA" The question is: Do I call and ask a different CSR or just document this conversation and send it along with a letter to TU in my demand for procedures because they verified as being correct. Advice is always appreciated.
Also file a complaint with your state's AG and with the FTC. Although this particular CSR may be "misinformed", it is the CRAs responsibility to make sure that information falls off after 7 years, and if their own CSRs don't even know the law, other consumers will be dealing with this same BS.
