Rec'd debt letter from debt recovery on 10/1 send validation on 10/3,11/15 and 2/23 checked report and they been reporting this since 11/2003- Disputed with the Experian/TU since they both reporting this and they came back verified - Debt recovery so far has not gotten back with me what to do because of this my score drop 65 points ..help total balance is $493 which is not mine should i go for Small claim court ? any advice really appreciated MILMIL
You have exhausted the ordinary FCRA procedures for correcting erroneous information, and they have ignored you. Waiting and hoping will not likely fix this. Document your damages (denied credit, notice of increased rate on existing CC, etc.), file complaint with your AG for their continued collection attempts (verifying with CRA) without validating, and send ITS.
