I have two charge offs I have been trying to get off our reports. One is Providian, the other Assoc/Citi. I started off with the validation letter, then nutcase, then son of a nutcase. Both Providian and Assoc/Citi deleted from my reports, I was an authorized user, but not my husbands. On my husbands they changed the status to read paid/charge off zero balance. Before they had shown a past due balance. This is better, but not quite what I had in mind. Any suggestions? I don't see the need to show the stupid things anyway, they were paid!
Are these truly paid charge-offs, or did both banks just change them to that to somewhat satisify you?
You could sent a modified validation letter (again) but this time include that they are (and this may require some bluffing) reporting the account differently at each CRA, and advise them that they are violating the FCRA and they simply need to delete otherwise you will file a lawsuit. Since it's a paid debt, hopefully they'll just want to get rid of you and delete the account.
Dear Premeno, Do follow MindCrimes advice to a tee. Just tell them they are reporting differently like she says. They will have 3 choices; 1) Pull inquiries to see what they reported. BOOM there is 3 new violations, no permissable purpose. 2) Do an exhaustive search through their own records to see what they reported. Yeah right LOL 3) DELETE THE ENTIRE ACCT. PPFFF which one would you do? ~ Dancerat explains this in the following thread; http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=187567#post187567 Here's her comment; As a sidenote. The incorrect reporting can be anything, it can be the amount, it can be the date paid, it can be the name, it can be ANYTHING. If it isn't EXACTLY being reported the same as according to what you have in your records, it's incorrect. Case closed. If it's paid, they cannot pull a report to check where it's being incorrectly reported. Impermissible purpose - 1000.00. You have to use this as leverage. It's being incorrectly reported, you say... ("But where?", they are wondering and scratching their heads..., "we can't check it, I guess we will just have to delete it or go to court," now what would you do? Delete a paid collection or go to court over a case that according to the plaintiff has evidence that you are wrong - and you can't check.) Also, I wrote all of my correspondence with the idea that I would have to take this before the judge, so I put everything in professional language and made it look as though I was really trying to work this out to every level BEFORE going to court. So that when I went to court to get them on violations of the FCRA I would have major amounts of paperwork - "Look, your honor, I tried to work this out for WEEKS and they would not work with me..." Terrible catch 22 for them and they always take the easy way out. Good Luck,
I don't think he ever did broadway, but I think he was trained an opera singer. Correct me if I'm wrong, mindcrime. Sorry to be off-topic here.
