I posted this last week but didn't get a reply. I'd appreciate it if anyone had any ideas here. Original post in part (shortened): I started writing letters to both GNB & Bealls (part of Stage Stores) about an old account that appears on all 3 reports in late Jan/early FEb. The first letter was ignored (I don't have proof since I didn't send it certified/rr). I did an online dispute with Experian which listed the account as $313 balance, LDOA - 11/01, Open Current/Was Past Due. This was "verified" 3/03. I compared this to the listings on TransUnion & Equifax. I had varying dates of last activity from 1/02 to 5/02, balances of $343, to past due over 90 days. I made copies and then disputed this with Bealls-- I asked for validation (not a formal letter) of the debt and stated that if it were a valid debt how I could pay it. They then took the worst information from each report and updated all 3 reports: highest balance, latest date of activity & charge/off collection status. They copied me with 2 letters stating that they were updating with the CRAs- Debt owed $343 (FORM LETTER). Included a copy in case I wanted to provide it to anyone (???) but NO information on what to do about this balance they say I owe. Seriously there wasn't even an address on the letter. What should the next step be? They've already shown they've verified incorrect information with Experian and seem to have NO interest in collecting if this is a real debt (honestly I can't remember if I paid it off-- but I wasn't getting bills from them). They also duplicated the account while reporting to TU-- (another $343 charge off/collection netted me a GAIN of 80 pts???) Thanks in advance.
