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silversky520

ERC re-aging accounts.

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I have a Sprint bill for 608 from early 2015 that went into collections at that time. However, I disputed the collections on all three CRAs. It was never reported to EQ or Experian. . On TOP of that the "date opened" on CK now reads as June 28, 2019. Sprint sold debt to Convergent who sold to ERC. ERC has had it for a couple of years now however and the date keeps shifting. My other collection in Transunion (medical) still shows the original date in 2015 so why is this different?

 

Also, how do I go about getting this accurate and/or off? I don't want to mess up and have them report it to the other two bureaus it never got reported to. I'm wondering if the dispute I filed through CK restarted the SOL? I'm in ohio so I thought they could only do that legally if I acknowledged the debt in writing. Any help is greatly appreciated. 

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Posted (edited)
7 hours ago, silversky520 said:

On TOP of that the "date opened" on CK now reads as June 28, 2019. Sprint sold debt to Convergent who sold to ERC. ERC has had it for a couple of years now however and the date keeps shifting.

 

Neither Convergent nor ERC buy debts.  Those are the 2 collection agencies that Sprint, DirecTV and a few others farm out their collections to.  The date opened is the date they got the account from Sprint NOT the date you defaulted to Sprint.  The CA cannot report any date other than the one they received the account from the OC.  If it keeps getting passed back and forth between Sprint, ERC and Convergent the opening date will keep changing.  It still stops reporting 7 years after you defaulted to Sprint regardless.

 

 

Edited by CreditSucksNot

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Date opened is NOT the date the account was opened by the consumer.  It is the date that the file was opened in the office handling the matter being reported.  In other words, the field has NOTHING to do with date of first major delinquency.

 

Further, NEVER plan any actions around what might appear on a third-party shiny bauble...and definitely NEVER make a dispute through a third-party.  You should not ever be disputing online to begin with, but you DEFINITELY never want to do it through a third-party service...

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