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Problem with NCO  

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Ok, so I had a collection (from the OC) on my report. It was actually deemed a repo, even though it was a leased car and was returned the same month as the lease was up. Anyway, the DOLA was 12/03. It was on one credit report and now is gone. I received a dunning letter today and have a question. My SOL in my state is 6 years. I know or think? I can't be legally sued. Is this right? Secondly, can they report this on my credit report because they are now reporting it as a collections with a "fall off" date of now 3/13. What can I do? I have already submitted disputes with the credit bureau's and filed complaints to the BBB and FTC.
 

asked Mar 18, 2010 11:15 AM

Breakthecycle2
Best Answer
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best answer

This is classic re-aging. Do you have an older copy of your report that shows the older drop off date? If so, send a letter to the CRA with a copy of the page where the older report is on, highlight the drop off date. Ask them to please fix this. I would also slap the CA with a VERY strongly worded letter that deliberately reporting falsely is a violation and that you can and will sue them.

answered Mar 21, 2010 11:54 AM

4 Answers

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The legal SOL begins with the DOFD and not with DOLA. If the SOL on written contracts is six years in your state then it would be the sol on your auto loan as well.

What is the date for the account to drop off your report? Remember, that the seven and a half years period would also start from the DOFD.

answered Mar 18, 2010 11:32 PM

SC
0


Quote:

Originally Posted by SC;669170
The legal SOL begins with the DOFD and not with DOLA. If the SOL on written contracts is six years in your state then it would be the sol on your auto loan as well.
What is the date for the account to drop off your report? Remember, that the seven and a half years period would also start from the DOFD.


The original account from Honda already dropped off, but now this NCO BS collections agency is stating is scheduled to stay on until 3/13. They re aged it from 2006, when the DOFD was 09/2003. or 10/2003.

answered Mar 20, 2010 10:22 AM

0


Quote:

Originally Posted by Breakthecycle2;669630
The original account from Honda already dropped off, but now this NCO BS collections agency is stating is scheduled to stay on until 3/13. They re aged it from 2006, when the DOFD was 09/2003. or 10/2003.


Actually the very first time I was late was in 2002, but I recovered until 2003.

answered Mar 20, 2010 10:23 AM

0


Quote:

Originally Posted by goldenbast;669912
This is classic re-aging. Do you have an older copy of your report that shows the older drop off date? If so, send a letter to the CRA with a copy of the page where the older report is on, highlight the drop off date. Ask them to please fix this. I would also slap the CA with a VERY strongly worded letter that deliberately reporting falsely is a violation and that you can and will sue them.


I was actually thinking I would do the same thing. Thanks for the advice.

answered Mar 21, 2010 11:58 AM

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