Wachovia Recovery (bank account) that was charged off but I paid the balance because I needed to open a new account in January. I have disputed it with all 3 several times, each time comes back that the information is correct. I sent a goodwill letter to Wachovia and got a letter back from them saying that they do not remove accurate information. Any ideas??? TU Acct No: 101** Condition: Closed (Paid) Balance: $0 Type: Deposit related Pay Status: Collection/Chargeoff Experian Acct No: 101** Condition: Closed (Paid) Balance: Type: Unknown - credit extension, review, or collection Pay Status: Collection/Chargeoff Equifax Acct No: 101** Condition: Derogatory Balance: $0 Type: Unknown - credit extension, review, or collection Pay Status: Collection/Chargeoff
When you disputed, did you request the CRA's send you procedure information? The FCRA, Section 611 (a)(6)(B) requires them to send you a bunch of information within 5 days of the conclusion of the investigation, including a notice that you have a right to get a description of their procedures. This description must be sent to you within 15 days of your request. If they fail to send you the complete five-day notice, this is a violation. If they fail to completely respond to the procedures request within the 15 days, this is a violation, per subsection (7). That response includes: I would ask for dates of contact as well. If the CRAs violate these provisions, they could be on the hook for $1,000 plus punitive damages and attorney's fees for willful noncompliance, or actual damages plus attorney's fees for negligent noncompliance. (Sect. 616 and 617 of the Act).
I have only disputed online and on the phone with the CRA's. I have not sent in any letters yet regarding this item. Can you steer me to a letter that may already have been written about something similar to this because I am really not a good letter writer. I have found great goodwill letters, one which I have used to send directly to Wachovia, but any help would really really be appreciated.
Here's a basic procedures letter: http://consumers.creditnet.com/Discussions/showpost.php?p=41385&postcount=3 In particular, this part:
