I just received responses from the credit bureaus. They have all verified a charge-off as mine. A few even updated the information to make it accurate (opening date, etc.) What do I try now? It is a utility account that is being reported as a charge-off. The OC never sent one bill or even tried to collect the debt, yet now they are reporting it as a paid charge-off. Do I sent another request to the CRAs to request that they verify the item. And if so, on what grounds? Do I send a letter to the OC? If so, what are my rights? Can I request that they send a record of their attempts to collect this debt?
