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Date of First Delinquency


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Is it a common occurance for an original creditor not to report a date of first delinquency? I got concerned when I disputed an old account on Experian and the original creditor verified the account but dropped the older reported collection activity on my account. Worried that the account had been re-aged, I tried (unsuccessfully) to get Experian to give me the DOFD. I then looked at my Equifax report and saw the DOFD section was empty. I've written Experian and asked that the account be deleted as the original contractor is in violation of FCRA for not reporting the DOFD within 90 days of the account being placed for collection.

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