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JusChopnitup

Please Help!!! Sprint Statute of Limitiations

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Hello CBer's

I need advice on dealing with a CA on an old Sprint bill. The accounts first date of delinquency was 2014. I recently disputed with CA (Convergent Outsourcing) stating that the debt was past the SOL which is 3 years in the State of Maryland. They listed the account as being opened on Dec 2016 which is actually 3 years after it was originally opened. They responded to my SOL letter from "Why Chat's Credit Confusion" saying the debt was valid as well as enclosed a bill dated Jan 31, 2015. Should I dispute and asked debt be removed (due to being obsolete) with Experian and Equifax and include what Convergent sent me?

 

Any help or suggestion is greatly appreciated!

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An entity that is collecting on an account will list the date it was opened IN THEIR OFFICE.  This is NOT re-aging. 

 

Being beyond the SOL for maintaining a successful action in litigation does not preclude the reporting of a matter on the four major bureaus. 

 

Better guidance may be available when you list how the matter reports on the paper copies obtained from each of the four bureaus.  DO NOT take actions from an online credit report, even if it is sourced directly from a bureau's website. 

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Thank you for the immediate reply!

On my Experian paper report, the CA reports it as Date Opened- Dec2016, OC - Sprint, Account Status - Closed,

Status Updated - Dec2016, Original Balance - $257, Payment history dated back only to 2018 (although no pymts made since 2014)

 

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if the DOFD was 2014, it won't fall off until 2021.

 

SOL for litigation is different from the reporting SOL, which is 7.5 years everywhere.

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1 hour ago, JusChopnitup said:

Got it! I'll see if the CA will settle for less and take a pay for delete at this point.

Thank you!

If you had a legitimate basis upon which to have disputed the claim, then another option would be to have utilized your Public Utilities Commission (or similar agency regulating utilities in your jurisdiction).  But this, as with ALL *good* disputes, necessitates drafting a letter specific to YOUR situation and NOT looking for some cut and paste letter to send in. 

 

Have you confirmed that the account was, in fact, sold?  If you can access the original creditor's online payment page, then you gain some other options going that route...no discount though. 

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There is a federal statute of limitations on cellular carrier debt of 2 years.  This is different from the reporting SOL for the credit reporting agencies.

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