Riscuity? Statute of Limitations?

I have been killing myself to repair my credit, finally got it somewhat fixed, then I pull my report and there are 2 accounts from "Check into Cash" so first I dispute it through the credit bureau they send me a letter saying the debt is valid. I told them I am disputing the fact that how can they through that crap into my report having never contacted me first? I moved out of state, my report has my current address and has had it for about 5-6 years now, these checks are from 2001 in NC, the first was reported on 04/2006, stating the account was opended 04/2006. The second has open date as 05/2006 and reported date as 10/2006. How can I possible have opened these accounts on these dates when I hadn't lived in the state for more than 3 years before these dates? I have tried the dispute thing, please someone let me know what else I can do.
Thanks,
Christina

Christina, why not you call "Check into Cash" and take care of this problem. They are the ones reporting to the CRA. If you are able to resolve the matter upon fair conditions, they will update the item with the bureaus. At the same time, I will also say that if they are doing wrong reporting with the bureaus, you have a legal case against them on violations of FCRA. Your credit report should have accurate information about your credit history.

I called Check into Cash, and they told me they no longer had any information on my "account" that everything had been turned over to Riscuity

OH! and when I originally talked to the people at Riscuity, I was told they could post the date opened as the date they bought the debt, I thought that the date opened was legally supposed to be the initial date of delinquency?

Did Riscuity give you the details of the debt in writing? You should have the debt validated according to the FDCPA laws.

No, I have never received anything from them and when I give them my current address, I don't think they actually take it down, because everytime I have called in, they just tell me my old address is where they are sending everything

Be very careful is Riscuity is trying to falsify the actual dates. It's important that the dates should be shown correctly in order to calculate the SOL or the reporting time frame. If they are entering recent dates, probably they want the negatives to be reported longer in your credit and hurt your scores. This is illegal and it's called re-aging of the accounts.

That is what I told them when I spoke to them on the phone, and the woman I talked to said they were permitted to put that date in there, and when I did report it as fraudulent, the credit bureau validated it and told me it was correct. I really do not understand how they can do that or what other avenue to pursue to make them fix it. Thanks for the link

Can you confirm in your old address if they have really sent anything? Doesn't matter because you are clear and are providing the new address where all communications need to be forwarded. You should have the debt validated by them. Send a debt validation letter to their mailing address and this will be your first legal step towards forcing them for complete information of the account.

Not to sound stupid, but I have never had to deal with this before, what is the best wording for the debt validation letter?

It's time to consult an attorney and make a strong legal case against Riscuity. Talk to Sam Glover here. He is very professional and helpful.

Thank you very much for all of your help

Nopes, nothing to feel stupid. It's just happening the first time. Take this sample letter. You will find many more in the forums. Just do a search on the google box at the top.

http://www.debtconsolidationcare.com...s/sample6.html

You are welcome. Keep things moving. Don't stop because you are doing everything right. You need some guidance and we are here for you.