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fxtalon

Do CC companies keep purchase records of closed accounts

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Simple question. Family member had a Dell card that defaulted. Collection agency eventually sued and lost. Twice. The card was closed about 7 years ago. The family member defaulted because a large charge, over 4 k appeared on the card, and since they didn't know what it was for, they refused to pay it. This was an elderly family member in their 70's.

 

I am asking for a reason that is tediously detailed, and hitting the legal system in a civil case, so I won't go into the whole mess. Just need to know it Dell would have kept records of what was bought and who it was shipped to.

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If this is something that happened 7+ years ago... it should be way past the Statue of Limitations. Generally it's about 4 years, but varies from state to state. If they sue you and it's past SOL, all you have to do is show up in court and use that defense.

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Just use SOL as a defense. They can sue you, but if it happened 7+ years ago they can no longer force you to pay or report to the CRAs.

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To answer the question - they likely have a copy of it somewhere. Pretty much all information is kept in a database. And supposedly, nothing is supposed to be deleted from a database, only moved.

The real question is, can the right people access it?

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You can go to the Court records ( usually on line) and look up the case file and get a copy of the original complaint. That might help you.

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What I am actually asking, is it likely Dell would have records of what was ordered on the credit card at this point, and who it went to?

Edited by fxtalon

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What I am actually asking, is it likely Dell would have records of what was ordered on the credit card at this point, and who it went to?

 

Possibly - but at 7 years old on a closed account, it's possible that the data has been archived - moved to offline storage. It might take a subpoena to compel Dell to produce it.

Edited by JeffeVerde

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To answer the question - they likely have a copy of it somewhere. Pretty much all information is kept in a database. And supposedly, nothing is supposed to be deleted from a database, only moved.

 

The real question is, can the right people access it?

 

Not true at all - "Retention Management" is about keeping data only as long as is legally required. This is to both reduce storage costs (both digital and paper), and to limit the liability of potentially damaging data being kept available.

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