I sent out validation letters to Wachovia and First USA regarding the same account. I believe First USA purchased my Wachovia account. Does anyone know if Wachovia is now known as First USA? Could this be the reason only the last 7 #s they are referring to match the last 7 #s showing on my credit report? They sent me a copy of a signed application for a First Option loan which is dated June of 1999 but the account info. on my credit report shows it was opened in 9/1997. Besides, when I first applied for this credit card, I applied with Wachovia, not First USA. What should be my next step?
First USA did buy Wachovia. On many people's CRAs, the old Wach accts are now duplicated as FUSA accts. I would DISPUTE both accts with the CRAs as DUPLICATE, PLEASE DELETE. I did this and the accts were BOTH deleted. Even if you only get one removed, it's a good start.
Did they do something illegal by sending my a signed application that has nothing to do with the actual account that they are reporting?
Sorry it took me awhile to answer. Yes, they sent me a copy of an application I remember quite well being denied for. The application says "First Option Loan" and is dated June 1999. The Wachovia account was opened in Sept. 1997. This is illegal, right? What's next?
