Last week or so I disputed the fact that CITI is reporting a balance of over $17000 on my credit report. The notation reads that it is included in a Chapter 13 and something to the effect it is on a payment plan-I don't have my report right in front of me just now. According to Equifax, the $17000 qualifies as a delinquent amount and is no doubt dragging my score down. The fact is that this amount was included in our BK 7 discharge of 4/03. We previously converted from a BK 13, which is where the discrepancy comes from. I called Equifax and told them it should read as included in Chapter 7, Balance $0. Today I get an email from Credit watch. The new notation states: "Cnsumer disputes this account information, Account involved in chapter 13 debt adj" Does this mean the end of the investigation or simply that it has been put in dispute? I am upset because that this big amount of cc debt is being counted against me as a balance owing and a separate negative item. Anyone know what Equi means? I will send them the BK discharge and Schedule F to prove that this debt was discharged, if need be. Thanks. Please help, we are going batty over here as each time we pull our reports somebody else is reporting wrong and we go through the correction process over and over again.
it could mean either... when you dispute something, they are SUPPOSED to notate that its in dispute. but if citi verified it, don't worry about it, let them verify it incorrectly 17 times, then they owe you 17,000.00 - just make sure you guarantee a Johnson v. MBNA case and keep disputing it the same way telling them exactly how it should be posted, if they keep verifying it wrong, either/or/both are adding 1K to your bank account each time.
My thoughts exactly. I think it is just a note that it is being investigated, as I disputed this online. May be just their way of acknowledging the dispute. If not.....they can just direct deposit the money into my account! Thanks for your input.
That's how I had to start to look at my biggest headache account... I know that the account is fraudulent, the account is past the SOL, so if the CA is too stupid and keeps contradicting themselves in their response to the disputes with the CRAs, so be it, they're just adding to the evidence against them, their client, and the CRA. So by being a bad mean CA, they're doing me a favor. I can actually make a case not just for negligent non-compliance, but that it was done in malace, because they changed the dates on the account to re-age it, after I disputed with their state, and my states AG's office. Not too smart.
I will send them the BK discharge and Schedule F to prove that this debt was discharged, if need be. ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ NO NO NO never ever do this.
