+ Reply to Thread
Results 1 to 3 of 3
  1. #1
    Join Date
    Aug 2017

    C.A obligated to report first date of delinquency

    What is the name of your state (only U.S. law)? Indiana

    Just an update on a ghost debt from Germany. A US based debt collector has finally submitted to Transunion. Looking at the information provided it states the account was "opened" July 28th, 2017. However, the first date of delinquency on the statement provided from the C.A, is September 2013. I am under the assumption that under FCRA, C.A are obligated to report said date of delinquency. I to am under the assumption that the 7 year time period begins not long after said first date of delinquency. Now while reading through, §*623. Responsibilities of furnishers of information to consumer
    reporting agencies [15 U.S.C. §*1681s-2], it does state that C.A have 90 days to report the delinquency date. I may be getting ahead of myself here this early on, but I would like for some to verify this information for me. What if the C.A does not report the first date of delinquency?

  2. #2
    Join Date
    Aug 2015
    Phoenix, AZ
    What if the C.A does not report the first date of delinquency?
    Did you read the entire section:


    You get to dispute the item with the C.A. and the credit reporting agency by providing evidence of the correct delinquency date.

    Nothing changes if you don't act.

  3. #3
    Join Date
    Jan 2005
    Please keep your questions in your original thread which is located at German Debt sought in USA; SOL Expired

+ Reply to Thread

Similar Threads

  1. Am I obligated to report roommate's drugs??
    By MauriS69 in forum Drug Charges
    Replies: 7
    Last Post: 05-24-2007, 04:18 PM
  2. missing IRR report date - consequences?
    By bmwbell in forum Military Law
    Replies: 3
    Last Post: 03-04-2007, 10:22 AM
  3. Date Reported on Credit Report?
    By carriejo28 in forum Debt Collections
    Replies: 3
    Last Post: 10-27-2006, 10:40 AM

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts

© Since 1995 Advice Company, All Rights Reserved

FreeAdvice® has been providing millions of consumers with outstanding advice, free, since 1995. While not a substitute for personal advice from a licensed professional, it is available AS IS, subject to our Disclaimer and Terms & Conditions Of Use.