When I pulled all three reports, I noticed that Foley's was reporting the DOLA as 2/2002. I paid the account off and closed it January 2001. I sent them a letter with a copy of the receipt and statement saying I had paid it off and closed it. I basically told them that they were in direct violation fo the FCRA and that they'd better get their butts in gear and not only change the DOLA, but also to remove the entire entry as it was evident that incorrect information had been given to the CRA's and that it would be impossible to determine the past due dates or high credit balance. I told them that the only way to clear up the whole issue would be to remove the entry all together. Well, today in the mail, I get a letter from them stating: Thank you for your recent inquiry In response to your request for a Credit Bureau Report correction, the credit bureaus to which Foley's reports data have been informed that your last activity date was on January 1, 2001. Okay...all well and good, but I really want those late pays off!!! But here's the thing, they are reporting me as paid as agreed and the rating is an R1. Should I just leave this thing alone and accept the negative tradlines and the good rating or rock the boat and send the following letter I have prepared. Can they change the R1 status to something else if I do rock the boat and eventually screw me? Or is there another route I should take to get these tradelines off? HELP!!!. Letter that I want to send: April 11, 2002 Foley's PO Box 8085 Lorain, Ohio 44055-8085 Dear Sir/Madam First, let me thank you for your prompt response to my letter that I mailed to regarding an item that Foley's was reporting incorrectly to the credit bureaus. It is refreshing to have such immediate attention to the matter. Upon further review of the credit entry, I noticed that Foley's is reporting negative tradelines on a paid account that I believe that was kept relatively current. This account has been reported by you as Paid as Agreed and has an R1 rating. However, you are reporting dates that are not consistent with that reporting. Please provide a valid account history that justifies these tradelines. Given the fact that Foley's has already reported inaccurate information, I believe that I have ample reason to request that all information you are reporting is 100% accurate. Sincerely, rblues
