betam4x Posted January 24, 2008 Report Share Posted January 24, 2008 Hi everyone,AFNI has failed to verify, yet they just updated my credit reports stating that the information is accurate. The information regarding both debts are inaccurate. I have documentation showing this. In particular The DOFD is completely wrong. These debts are still within SOL, however I am not afraid to fight them in court. Should i send 15 day ITS? If it DID come to going to court, would the fact that I owe the debt be overshadowed by the inaccuracies itself? I also attempted to contact the OC, the OC has NO records of this debt. They also never sent me a dunning notice. Link to comment Share on other sites More sharing options...
ShortBus Posted January 24, 2008 Report Share Posted January 24, 2008 Similar situation with AFNI. I've already prepared the small claims paperwork; waiting until I get back from a business trip mid-Feb to file it though. Was your DV timely too? Link to comment Share on other sites More sharing options...
Ahntara Posted January 24, 2008 Report Share Posted January 24, 2008 "...updated by credit reports...DOFD is wrong..."DOFD typically isn't listed on CR's. FCRA 1681s, Subsection 623 requires that Data Furnishers provide this date (that begins Reporting Period) within 90 days of supplying the TL, but no where does it require them to publish it or provide it to consumers. Usually, you have to contact them separately to find out the DOFD.You may wish to dig deeper before you fire off a letter THREATENING to sue them on a debt still within SOL. Link to comment Share on other sites More sharing options...
betam4x Posted January 24, 2008 Author Report Share Posted January 24, 2008 "...updated by credit reports...DOFD is wrong..."DOFD typically isn't listed on CR's. FCRA 1681s, Subsection 623 requires that Data Furnishers provide this date (that begins Reporting Period) within 90 days of supplying the TL, but no where does it require them to publish it or provide it to consumers. Usually, you have to contact them separately to find out the DOFD.You may wish to dig deeper before you fire off a letter THREATENING to sue them on a debt still within SOL.Ah, but it's more complicated then that. First off, my credit report HAS the DOFD on it (equifax). Second off, the original creditor has absolutely NO information regarding this account (sprint) so only the CA knows this account even exists. They merely set the DOFD to the same time they started collecting on the account. They did this twice for both my sprint and cingular account. Both have a DOFD of 2006. Cingular's DOFD should be 2003. Sprints should be 2005. I am in the process of disputing the debt with sprint directly, since the fee owed is a termination fee. I was never aware i was under contract since it was over 2 years when i cancelled. I have no freakin clue why cingular is charging so much. They are supposed to be sending me a detailed statement. Link to comment Share on other sites More sharing options...
AccountnotMine Posted June 3, 2008 Report Share Posted June 3, 2008 Ah, but it's more complicated then that. First off, my credit report HAS the DOFD on it (equifax). Second off, the original creditor has absolutely NO information regarding this account (sprint) so only the CA knows this account even exists. They merely set the DOFD to the same time they started collecting on the account. They did this twice for both my sprint and cingular account. Both have a DOFD of 2006. Cingular's DOFD should be 2003. Sprints should be 2005. I am in the process of disputing the debt with sprint directly, since the fee owed is a termination fee. I was never aware i was under contract since it was over 2 years when i cancelled. I have no freakin clue why cingular is charging so much. They are supposed to be sending me a detailed statement.I would get a letter from the OC that you had no account with them on X month of X year of the reaged date. thats a great way to get them on several more violations and flat out lying, even if you do owe the debt the judge will see them for what they are, and their deceptive buisness practices. plus you will have a couple grand in your pocket to pay of a few hundred bucks. Link to comment Share on other sites More sharing options...
betam4x Posted June 3, 2008 Author Report Share Posted June 3, 2008 A little update to this. A lawyer was willing to take it on pure contingency based on my evidence. However, about a day after discussing this, I noticed that the EQ entry fell off. I am going to dispute the other 2 and see if they drop. If this is the case then i won't have much of a suit. I will follow up with the results soon. Link to comment Share on other sites More sharing options...
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