Ex filed BK 6/01. I stopped getting statements from Wells Fargo and called to find out why..they told me of my ex's BK. I said that I wanted to pay my portion...they said I couldn't, it was closed. 1/02 I go to buy a new car and I find out that they are reporting 120 days late. Called them, they told me to dispute, it was included in the BK of another. They sent me a letter stating that they had corrected it with the 3 CRA's (can't find the stinking letter). Good, right? Not!!! I started my credit clean up in January...120 day lates again. EFX reported 3-5/02 was ok, then 5/02 was 120 days...how do you go from current to 120??? GEEZ!! Then 7/03-10/03 show ok. HMMM. EXP shows ok util 6/03 then shows 120 7/03. TU shows ok for the last year or so. TU now has it as unrated, EXP has it as inclueded in anothers BK and now EXF is showing it as a skip. Anyway, I sent 2 dispute letters months ago (Jan and Feb)...I got a letter a month or so ago to call them, I did. I explained to them what had happened...they said they had released my ex, but I was still reponsible...haven't heard from them until today. I get a letter stating that "my account is severely past due. Despite our repeated attempts to help you resolve the situation, you have fialed to make arrangements"....yadda, yadda. Mind you this is 3 freaking years old. I have 2 checking accounts with Wells and never heard a word until I disputed. Mind you they have NEVER attempted any collections. Now they are saying it is a charge off and unless I contact them within 10 days they will proceed to a CA. Dated 4/5 and received 4/10. Ok, what to do?? Help, I need to respond ASAP!!!
