Have an old voluntary repo from 2002 that always showed a zero balance from original creditor. Original creditor stated, by phone, there was no balance owed.in it showed up as LVNV Funding as a collection/factoring company account with a $5000 balance, a date of 05/07 as major delinquency first reported, and no date of last activity. A few months later, they updated it (as they are required to do) and entered the correct date of last activity.
In August, LVNV completely deleted it from my report.
In September, they re-reported it with an 09/08 date major delinquency first reported, a $6000 balance, and no date of last activity. Of course, they made it look like a new account.
I believe what they are doing is since they have 60 days from the date of their entry to update the dates, they deleted the entry so they could re-report it and have another 60 days to update the dates.in addition, they have lied as depicted in the "date major delinquency first reported". It can't have been first reported in 05/07, then again in 09/08. Naturally they are re-aging the account without actually making it look re-aged.
Do I have any recourse? Per the FCRA/FDCPA, aren't they only allowed to not include the date of last activity if they are not yet sure of what it is? We know they are sure of what it is because they had it on my report before. Any ideas?
Don't forget, original creditor told me by phone and by credit report for 5 years that the balance was zero!
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