Hey everyone, so here’s the deal. I have an old Bank of America credit card chargeoff that is scheduled to drop off by November 2015 this year as the dofd was November 2008. I have detailed account statements that show my first delinquency was in November 2008 (missed the payment due date for that month). And I kept on missing the due date each month until the account was eventually closed in May 2009 and subsequently it was charged off in July of 2009.
Here is where stuff gets strange, My equifax reports the correct dofd of November 2008, but they have a drop off date of November 2016 (should be November 2015 for drop off date). And even though EQ is stating the correct dofd as November 2008, it is at the same time showing the “30 day” late notation for December 2008 in the calendar-like field of the account. So since they are stating that the correct dofd is November 2008, why would they be reporting the 30 day late notation in the December 2008 calender field instead of the November 2008 field?
And at Experian they have a totally incorrect dofd of November 2012, with a drop off date of November 2019. So I opened a dispute with EQ about the wrong drop off date of November 2016, as well as disputing why EQ is reporting the 30 day late notation in the December 2008 field instead of the November 2008 one. And I also opened a dispute with EX about their wrong dofd and drop off dates.
I also recently got the CFPB involved, and not too long after I did that, a lady from BOA’s Enterprise Customer Care Resolution department contacted me and said she wil investigate this, as it is highly unusual. She also said she would send a letter to me about her findings of why things are reporting the way they are at EX and EQ. I also informed her that I have all the statetments showing the correct dates of when things occurred on my account. And I told her my dofd is indeed November 2008, but she said that she would have to research that information anyhow. I then told her to put the dofd (which is November 2008) in the letter (for my proof and permanent documentation) and I asked her to officially sign and date the letter. In addition, I told her to investigate why my EQ report has the 30 day late notation in the wrong calendar month-field of 2008. I trust she will hopefully resolve this amicably, but reading all of the stories about Bank of America blunders worries me. If need be, would I also have to email the CEO of Bank of America?