/ Register

Has anyone seen a listing like this

Discussion in 'Credit Talk' started by fxs158, Jul 16, 2004.

  1. fxs158

    fxs158 Well-Known Member

    BB&T BANKCARD

    Account Number: XXXX
    Acct Type: Revolving or Option
    Acct Status: Closed
    Monthly Payment: $0
    Date Open: Feb, 1999
    Balance: $0
    Terms: Revolving
    High Balance: $99
    Limit: $1,000
    Past Due: $0
    Remarks: Credit line closed-grantor request-reported by subscriber
    Payment Status: Credit line closed / not paying as agreed


    This account was paid in full, I disputed with Experian because it was listed as paid as agreed but had some lates. This is how it came back, what now?
     
  2. fxs158

    fxs158 Well-Known Member

    By the way the bad part and what I am curious about is the "Not Paying as agreed" portion of the listing. I have never seen a tradeline listed like that.
     
  3. jam237

    jam237 Well-Known Member

    I would send a formal dispute in writing to the DF saying that they are reporting inaccurate information.

    This account was CLOSED, AT CONSUMERS REQUEST, *AND* PAID AS AGREED.

    You are demanding an immediate investigation under both the Fair Credit Reporting Act, and the Fair Credit Billing Act.

    With EX you probably won't get a second chance to dispute it directly with EX, unless you can build a strong case.

    How old is the account? How long has it been paid? If the account is beyond the Document Retention Period of five years, there is a chance that the will not be able to verify the information. That would give you a Johnson v. MBNA angle to play with, since if the documentation was beyond the DRP, then they could not have conclusively verified the information which they are reporting currently. :)
     
  4. lbrown59

    lbrown59 Well-Known Member

    b
     

Share This Page