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  1. #1
    Join Date
    Aug 2017
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    3

    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
    Location
    Phoenix, AZ
    Posts
    4,253
    What if the C.A does not report the first date of delinquency?
    Did you read the entire section:

    https://www.law.cornell.edu/uscode/t...681s%E2%80%932

    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
    Location
    California
    Posts
    71,346
    Please keep your questions in your original thread which is located at German Debt sought in USA; SOL Expired


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