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  1. I have an account that reports as the DofFD April,2009. It was charged off Oct, 2009 and subsequently sold to Midland, who is no longer reporting the account. The OC appears to have NO records apart from citing prior report materials and Midland has no records either. FCRA Sec. 623 went into effect, as of 7/1/2010... Is this account and indeed all accounts from prior periods subject to 623 reporting requirements since it went into delinquency prior to the date of implimentation of the CARD act????? Here's hoping. They appear to have no records apart from my prior name, SS #, and date of sale to Midland. They did not even have the amount of the chargeoff. I believe that they must have actual records from which to verify and support their reporting. Would greatly appreciate someone on the legal team to better inform me what I can question... I am questioning original contract date, composition of debt reported (charges, credits,payments, interest, and other fees) based upon checking records which are not in accord with their reporting. Thanks to anyone who can guide me in this latest mission.
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