RJM Acquisitions

Discussion in 'Credit Talk' started by phantom, Feb 6, 2013.

  1. phantom

    phantom Well-Known Member

    Apparently these guys collect for Target. I had a Target card that was included in a chapter 7 back in March 2010. It took me three tries to get it reporting correctly (said I had a balance, then listed as charge off, finally listed as included in bankruptcy with correct date). Today I get a notification from Experian saying I had a new negative account. Weird since I've been 100% perfect since 2010. RJM shows up re-aged to January 2013 as a new bankruptcy! Experian won't let me dispute online so should I contact RJM themselves? I'm thinking of sending a demand letter for them to remove the trade line based on their re-aging and citing FCRA laws. Correct step? Thanks
     
  2. Logan Abbott

    Logan Abbott Well-Known Member

    Hi Phantom - First, I would go the written letter route over the online dispute any day. (Make sure to make hard copies of any documents you send them.) But yes I would send a DV to the CA immediately. Just remember to keep your explanation brief; I'm sure you've seen this before, but a refresher never hurts: Sample DV Letter from Sparq
     
  3. phantom

    phantom Well-Known Member

    I'm past the DV letter Jason, this has been on my report for 3 years. My issue is they changed the DOLA info from March 2010 to January 2013. Thanks
     
  4. jam237

    jam237 Well-Known Member

    I would send the dispute to Exp, the FCRA doesn't allow you to take action on disputes to the DF.
     
  5. phantom

    phantom Well-Known Member

    Sending tomorrow, thank you
     
  6. jam237

    jam237 Well-Known Member

    Now, DoLA doesn't re-age, DoFD is what determines the age of the account for the credit report.
     
  7. Logan Abbott

    Logan Abbott Well-Known Member

    Jam's right - let us know the outcome on this one.
     

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