this8384
Jun 24, 2010, 07:34 AM
can a debt collector report on a credit report that wrong date was open on a old debt let said original debt was open on 8/01/05 and debt collector {unifund} report that it is 2/1/08 on the credit report this is on a credit card does this need to be the same date as the original debt. both account # is the same. this is the time that they must have bought this debt. thanks for all and any help.
Your post is somewhat confusing, but this is my best guess:
You opened a credit card in 2005 and defaulted on the payments.
The credit card company sold the debt to a collection agency, probably in 2008, so the agency is listing their open date as 2008.
You want to know if this is legal... correct?
My answer would be yes; they are listing the date that they obtained the account from the original creditor.
Where are you located? Statute of limitations may have expired on this debt already, depending on your local laws. When was the last payment you made, or when was the last time you used the account?
EDIT: After reading your other threads, is this related to the same creditor you've been asking about since last year?
Your post is somewhat confusing, but this is my best guess:
You opened a credit card in 2005 and defaulted on the payments.
The credit card company sold the debt to a collection agency, probably in 2008, so the agency is listing their open date as 2008.
You want to know if this is legal... correct?
My answer would be yes; they are listing the date that they obtained the account from the original creditor.
Where are you located? Statute of limitations may have expired on this debt already, depending on your local laws. When was the last payment you made, or when was the last time you used the account?
EDIT: After reading your other threads, is this related to the same creditor you've been asking about since last year?