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Question By
dsugar1

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Collection agency RE-AGING and old debt
ERC collection agency is reporting a debt as OPENED in 10/2015, this is wrong. The original creditor was AT&T and I have not had any AT&T since 8/2013. ERC then REPORTED it again 11/2015. Would this collection agency be violating the FCRA by RE-AGING this account??? If anything the DOFD with AT&T would have been between 9/2013 -11/2013.

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the same exact thing is happening with me! Is this possible?

Reply by
dsugar1

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I am looking for an answer as to if ERC is RE-AGING this debt.  If that is the case I will then I will take the neccessary steps needed to dispute, file a complaint or any other action needed. 

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It is not re-aging. The "open" date of 10/2015 is referring to when debt is sold to a CA and reported for the first time. It will happen each time that debt is sold to another CA, if they so choose to report. but DOFD dose not change.

Reply by
dsugar1

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Ok, So the CA is not showing the DOFD from the original creditor and the CR "Status Details" states it will remain until Jun 2020.   I am trying to understand if the DOFD does not change then how can the "DATE OPENED" say 10/2015 & remain on my CR until Jun 2020 if the CA is not the original creditor.  I need a little help here to understand so I may get this cleared up, removed, corrected or whatever needs to be done.  If anything the DOFD with the original creditor would have been in 2013.

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Reply by
JohnnyRain127

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The "opened" date might it be the original creditor or CA, has nothing to do with when it will be removed. The reportable date is 7 years plus 180 days from DOFD, but normally, CRA will remove it in 7 years. If your DOFD is 2013? Then it should be removed/remain til 2020 regardless when it's opened, which you stated that date is on your CR.

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Call CRAs and they will tell you exactly when it will be removed.

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