This message board has been very enlightening. Unfortunately, I discovered it too late. I need some advice in reference to how to proceed from here on in. I realize that I may have made mistakes with this creditor, but wish to get on right track. I disputed the reporting of a bankruptcy in reference to a loan with a credit union via the CRAs. Reasoning for the dispute was never filed bankruptcy and therefore the listing of the account "included in bankruptcy" is inaccurate, which is true. FYI, the creditor has been been reporting this incorrect information since 1997. I didn't complain, because as long as it was listed in bankruptcy, they did not actively pursue collection. This was good logic in my opinion AT THAT TIME. Further the creditor is re-aging this account. My experian report in 2000 indicated this account would be purged in 12/2001. Now the account is showing that it will not be purged until 1/2005. At this moment, I just want to get rid of this account permanently. I filed the dispute with the CRA and not directly with the creditor. The more I think about this, the angrier I get 'cause from what I am reading I had a right to sue them when this first appeared in my credit report and was not IMMEDIATELY corrected. To further compound my stupidity, this creditor blatantly violated my rights and reported my debt to my employer and I did not file a lawsuit. The creditor informed my employer of the total outstanding balance, the past due amount, the last day I made a payment, and urged my employer to get me to pay this debt. This was submitted in WRITING, and yes, I do still have a copy of this letter. Stupidly, I reported the debt to the agency governing credit unions, but did not pursue a lawsuit. The debt now is out of statute and from my understanding I can't sue. Right now I just want to get rid of this trade line. So I thought about sending them a letter informing them of the inaccuracy of the information they are reporting and demanding that they correct it within 15 days by permanently deleting this account from my credit report, and also inform their collection agency to permanently delete this account from my report, and to pay small amount in punitive damages in the amount of $2000. If trade line is not permanently deleted, will seek damages for defamation, violations of FDCPA and FCRA, etc.. Plan to use the letter they sent my employer as a way that shows that the creditor is continuously acting maliciously, first notifying employer, second indicating bankruptcy, third re-aging account. Please let me know what you all think about this approach or should I go another route.
