niteeyes Posted April 5, 2007 Report Share Posted April 5, 2007 I pulled my credit and saw that Island National Group, LLC was reporting a Fingerhut account as being late; now I know that I did not have an account with them, so I disputed it with the CRA's. On my credit report, it shows that the account was to roll off in 2-07, and even if it was my account, the SOL is up. The verification they sent was my name, an account number, and a balance, only. There is also a note advising that Island Nat'l was hired by Pallino Receicvables, LLC. Would it be appropriate to send both a DV letter, send the OC a DV, or follow up with the CRA? Also, since the date of 2-07 was on the report advising that was the date the account was to roll off, is this not a violation of the FCRA and/or FDCPA? I'm so new at this, but I have been able to get 4 items deleted from my credit report.Thanks so much, you all rock! Link to comment Share on other sites More sharing options...
CreditLawGuru Posted April 5, 2007 Report Share Posted April 5, 2007 the reporting period is unrelated to whether or not they can send you letters. Link to comment Share on other sites More sharing options...
dpgirl Posted April 6, 2007 Report Share Posted April 6, 2007 If this tradeline fell off in February of this year it means it has come to the conclusion of the seven year reporting period. THat would make the debt, whether it is truly yours or not, at least seven years old. The longest SOL in your state is six years. So that means that this CA cannot sue your for this debt and if they do your defense is that it has passed the SOL.Send the CA a cease and desist letter and if they contact you after that, you have grounds to sue them.If this is off your reports, as it should be, then that is the best way to get rid of them. Link to comment Share on other sites More sharing options...
niteeyes Posted April 8, 2007 Author Report Share Posted April 8, 2007 Thanks to all of you that have posted a reply! I am learning so much. I got busy and couldn't cont. the other day. Okay, this is still reporting to the CRA's, and I'm not worried about the letters they send. What I'm confused about is the fact that they re-aged the debt to keep it on my CR. If I understand correctly, isn't it a violation of the FDCPA and FCRA? I have already sent a C&D letter to the CA. Since I am financially unable to hire a lawyer to handle this, I'm trying to learn as much as I can since this is a DIY. It appears on my CR as "updated" on 3-07, but it's just been re-aged to keep it on my CR. Since I have requested the DV, sent the C&D, and Disputed with the OC, CRA's as well as the CA, should I file complaints with the BBB, AG, and the FTC?Any input is very much appreciated. Link to comment Share on other sites More sharing options...
MadinKS Posted April 9, 2007 Report Share Posted April 9, 2007 It appears on my CR as "updated" on 3-07, but it's just been re-aged to keep it on my CR.What is the DOFD? Usually your CR (at least one of them) will give the DOFD w/the OC. This is the date you are concerned with. The updated part just means that they verified your dispute and updated more than likely. What did they "update"? Did they update the date it's going to be removed? If they changed the DOFD or the date to be removed then they have re-aged it. If not, they probably just changed something minor and called it updated. Link to comment Share on other sites More sharing options...
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