ok Posted May 12, 2003 Report Share Posted May 12, 2003 Can I sue an account holder (who is the 3rd account holder of a transferred account) if they refuse to note my original delinquency date from my oc? They are reaging the account. My oc is now out of business. My last payment date was 3/96 and they have changed it to 5/98. If so, would I need to file in a small claims court? Link to comment Share on other sites More sharing options...
retmar Posted May 12, 2003 Report Share Posted May 12, 2003 You need to supply some more information. Without naming names, explain the whole of your situation. Was the account sold? Who was it sold to? (ex., a CA, bank, finance company). Gather all of the information and add to this post as a reply.Do not go directly to court. You need to fully understand the 5 W's of this. You need to cross all t's and dot all i's. Some States also require that you give them the opportunity to correct before filing. So, sit tight, for now. Link to comment Share on other sites More sharing options...
ok Posted May 13, 2003 Author Report Share Posted May 13, 2003 <blockquote>Originally posted by retmarYou need to supply some more information. Without naming names, explain the whole of your situation. Was the account sold? Who was it sold to? (ex., a CA, bank, finance company). Gather all of the information and add to this post as a reply.Do not go directly to court. You need to fully understand the 5 W's of this. You need to cross all t's and dot all i's. Some States also require that you give them the opportunity to correct before filing. So, sit tight, for now.</blockquote>Ok, the original creditor(creditor A) sold the account to creditor B in 1997(not sure of the month). Creditor B then transferred the count to Creditor C. Creditor C is who I'm dealing with now. Creditor C is giving me a hard time in regards to the delinquecny date which was March 1996. Creditor C is posting the dola on all three credit reports as 5/98. The open date still remains the same (11/95) but the dola has changed to 5/98. Also Creditor B. has the dola as 5/97, which is the date they sold the account to Creditor C. Link to comment Share on other sites More sharing options...
lisak72 Posted May 13, 2003 Report Share Posted May 13, 2003 Have you done debt validation with them yet? Make them provide all information that they have on this account, including the date of last payment on this account. This will also help you establish the SOL on the debt to see if you still actually owe this debt....and also sets up the SOL for the 7 years reporting time. Link to comment Share on other sites More sharing options...
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