Old Credit Card on my CR

[TSorad]

I disputed this Providian card off my report a long time ago and now it has finally showed up with Midland collections. It has to be very old out of the SOL I believe or at least 5-6 years old.

My question is the CA is reporting the account as opened 9/27/2007 but I am sure I opened this account in 1999. What can I do as they never sent me a letter (saying I have 30 days to respond etc). It just showed up on my report.

I am sending a dv letter and disputing with transunion, anything special that should be in the letter?

Creditor Name: MIDLAND CRED

Account No.: 85249*****

Original Creditor: PROVIDIAN

Responsibility: Individual

Condition: Derogatory

Original Balance: $3077

Balance: $5155

Date Opened: 09/27/2007

Date Reported: 11/15/2007

[whocares]

First of all you should know if you opened this card 2 months ago, DV and dispute them...

Make them show you the actual DLA

[Amerikaner83]

the "date opened" on the CA's tradeline is accurate - it's the date the account was opened with the CA. DOFD shuld not have changed.

[TSorad]

so how does the CRA know the DOFD if it is not listed on the tradeline?

Can I ask for the DOLA in the DV letter?

[Amerikaner83]

Sure you can - they don't have to give it to you.

the CRAs know becuase the OC tells them. There should be a listing on your CRs saying something like "this item is scheduled to be removed in 2009? Something like that? It won't show on a 3-in-1 pull...has to be a real CR.