Can a debt collector change the account opened date?
Asked Sep 9, 2011, 03:56 PM
I have an unpaid debt that was derogatory in 2007. The debt was purchased from another debt collector in March 2011. The original creditor is no longer on my credit profile but this new debt collector shows the account was opened in March 2011 and reported in April 2011. To me that sounds they are not reporting this correctly. When in fact the original account was opened in November 2006 but went derogartory in 2007. Shouldn't they report this as the original date the account was opened or went derogatory? As far as the SOL goes this wouldn't expire till March 2021 and wouldn't be off my credit till March 2018! Is this legal?