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03-01-2008, 03:13 PM
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#1 (permalink)
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New Member
Join Date: Feb 2008
Posts: 4
Casino Cash: $203800
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Is this a FCRA violation
Account Number: CINGULAR-3100716XXXX
Acct Type: Open Account
Acct Status: Open
Monthly Payment:
Date Open: 1/1/0001
Balance: $357.00
Terms:
High Balance: $357.00
Limit:
Past Due: $357.00
Payment Status: At least 120 days or more than four payments past due
Comments: COLLECTION ACCOUNT
Is it legal to put Open in status, also in payment status is it legal to put 120 or more when the DOFD was in 2001?
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03-01-2008, 10:47 PM
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#2 (permalink)
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Administrator
Join Date: May 2006
Posts: 2,140
Casino Cash: $859150
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What was the DOFD?
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation.
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03-02-2008, 10:50 AM
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#3 (permalink)
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New Member
Join Date: Feb 2008
Posts: 4
Casino Cash: $203800
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dofd was feb 2002
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03-04-2008, 04:13 PM
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#4 (permalink)
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If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,404
Casino Cash: $1007950
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Is this a trimerge credit report you are looking at?
Is the DOFD 2001 or 2002? You gave us two different dates.
The status of the account does not appear to be correct. It is legal to report it 120 days or more past due - if it is.
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How come "phonetically" is spelt with a "ph"?
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03-04-2008, 05:37 PM
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#5 (permalink)
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New Member
Join Date: Feb 2008
Posts: 4
Casino Cash: $203800
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the DOFD would have been Feb 2002. Should I dV this company? I', sure I have received many bills. Is it to late to DV them?
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03-04-2008, 07:35 PM
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#6 (permalink)
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If You Do Not Like It, Kiss My...
Join Date: Nov 2004
Posts: 5,404
Casino Cash: $1007950
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Quote:
Originally Posted by siriuswill
tShould I dV this company? I', sure I have received many bills. Is it to late to DV them?
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Wait, who is reporting this? Is it not Cingular? If its not Cingular, but a CA, then my answers from above will change.
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How come "phonetically" is spelt with a "ph"?
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03-05-2008, 01:09 AM
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#7 (permalink)
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HONORED GUEST
Join Date: Nov 2006
Posts: 254
Casino Cash: $504200
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Is this AFNI? If so, then yes, listing it as open and past due are violations of the FDCPA but, not the FCRA unless it has been verified through your dispute through the credit reporting agencies.
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