A company put on my credit report that I didn't pay a bill; however, I did pay it. I called the company and they told me they would have it removed off my credit report within thrity days. Well, thirty days goes by and it still wasn't removed. I called transunion and disputed the information, and gave them the name of the person who told me that they would remove it off my report. About a month later I got an updated credit report, but instead of it being deleted they only updated it as paid. I called the company back up and spoke to the same manager I did before. She told me that she would write them a letter to have it removed. Thrity days later it is still on there. I dispute it again and all I get is a letter saying that it has been verified, and it is not only on transunion, but equifax as well.
2006-08-05 07:36:55 · 12 answers · asked by Nick P 2 in Business & Finance ➔ Credit
Send a certified letter to the company (attention of the neglectful manager) and explain all of this in a letter again. Sounds like she has a bad memory. Keep the postal receipt evidencing your mailing the letter.
Tell the manager that her prompt and immediate action is required on this matter and she is to respond to you ONLY IN WRITING with the results of her investigation within 30 days as outlined in the Fair Credit Reporting Act.
If she fails to do so, send another follow-up letter certified as well. Keep the postal receipt as evidence of mailing. Remind her in this letter that failure to respond will be reported to the credit bureau when this matter is disputed. Give her about another 15 day extension on this letter. That's a total of 45 days.
If she fails again, send copies of all letters you mailed to the manager to all 3 bureaus (INCLUDING COPIES OF THE PRECIOUS CERTIFIED MAIL POSTAL RECEIPT) and dispute through the bureau. The bureau will force the creditor to respond given your pile of evidence showing they failed to even address this item.
2006-08-05 07:52:49 · answer #1 · answered by DaMan 5 · 3⤊ 0⤋
I would say to file a complaint with the FTC, but it seems that you have done nothing in writing to either the credit bureau or the creditor. So, you have no record of your attempts to clear this up.
I would suggest starting over again and doing things by mail, sent certified return receipt.
Then, if you still hit a brick wall, file a complaint with the FTC, include your disputes in with your complaints.
After you file your complaint to the FTC, redispute with the credit bureau and the original creditor and include a copy of your FTC complaint in with your dispute.
The FTC basically will do nothing about your complaint, unless they have a ton of other complaints, but having the letter showing that you have complained does carry some weight.
If they still do not correct it, refile another complaint with the FTC and also send a complaint to the BBB and your states attorney general.
Then, if they still do not correct it, file suit. Thats another reason that having a paper trail comes in handy. You could walk away with not only it deleted off of your report, but $1000.00 richer.
Yes, it does seem like a lot of work, but it is worth it to have the inaccurate information removed from your report.
2006-08-05 08:00:43 · answer #2 · answered by echo 7 · 0⤊ 0⤋
Send a certified letter to the company stating that you have paid the bill and that the have stated they would remove it and still have not. Then send a copy to all the credit agencies this unpaid bill shows on. They can put a comment in the system showing that the bill was paid until it can be removed.
2006-08-05 07:42:41 · answer #3 · answered by Ponderous 2 · 0⤊ 0⤋
sadly things never get removed from your credit report. whether it be incorrect or whatever. the moment anything hits your report it will stay there forever. you can file a complaint with the originator of the information but there is nothing you can do to remove it. you have however resolved it and that's about as much as you can hope to do. my advice would be to ream the the company who put this on your report and make them pay for it somehow. regardless of how many times you write or dispute this incident will never be fully resolved or removed. they made a mistake and now it's your turn to make them pay for it.
2006-08-05 07:44:17 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I would not really worry about these minor ones too much, in the long term, does it matter if the negative falls off a few months earlier? Also, I am not sure of the reporting process, but it seems like they are given a lea way in reporting. Things don't happen automatically.
2016-03-27 00:13:00 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Give them a warning something like this that you would go to the Consumer's Court or get the issue published in the newspapers there. And if the things still remain the same then do what you warned them!
2006-08-05 07:50:05 · answer #6 · answered by Anonymous · 0⤊ 0⤋
call the name of the place on yr credit report and tell them that this is no your i had to do this and they take it off after 30 days
2006-08-05 07:42:03 · answer #7 · answered by tony b 1 · 0⤊ 0⤋
Write them a letter
2006-08-05 07:40:05 · answer #8 · answered by Giggles 5 · 0⤊ 0⤋
The FTC is the regulating agency for credit reporting companies. You could contact them.
http://www.ftc.gov/credit/
Or contact your government consumer affairs agency for assistance.
2006-08-05 07:43:23 · answer #9 · answered by Anonymous · 0⤊ 0⤋
keep contacting the credit bureaus, show proof of payment
if that fails, try an atty--but they'll charge
2006-08-05 08:10:24 · answer #10 · answered by Dwight D J 5 · 0⤊ 0⤋