I'm new...need help with Charge Off

Is Time Warner is a cable service company?

Would they report to the CRAs if there had never been a 'flop' (for lack of better words) in the account? If not, they should DELETE the accounts PERIOD. If they report to the CRAs whether you are late or not, they should update to reflect your correct status.

Reason I go through the differences is because they may be like some cellular companies: they only report IF the account becomes delinquent.

 

Welcome to the board!

I agree with Love's assessment of the situation. It seems, from what you are telling us, that the error is 100% Time Warners.

Thus being true there should not have been a neegative entry. I would dispute the charge-off's as not mine. And I would make Time Warner accept responsibility for the error and remove the entry as a whole.

However, I would begin to communicate with them via mail keeping track of the correspondence to later use in court, if it comes to that extreme.

Good Luck

Alson try to use: www.planetfeedback.com

This may or may not have an impact on the situation.

I used it for AOL and they responded in a timely manner and refunded my money.

 

I would send a dispute to the CRA's stating "Not Mine"

Then at the same time I would dispute it with Time Warner.

Then I would involve the AOL Time Warner Executive Office via planetfeedback.

One of these tactics is bound to work, especially since it is not "your fault"

 

Kevin,

It looks like you have them a couple of ways. They have duplicate tradelines and/or they re-aged the account or have an inaccurate chg off date, since their are 2 dates/tradelines for the same thing. And if you turned the equipment in on time, then the most important violation is that neither tradeline should even be there.

My first thought was just to have you dispute it with the CRAs, but since they are updating the account, it might be re-inserted or verified. Although you could definately try this first, it's the easiest.

Your best bet is to have all contact in writing. I'm assuming that the conversation where they agreed you had returned the equipment was on the phone. Before you start anything with Time Warner, it might be worth a shot at trying to get them to fax you something stating that you did return it and what date you returned it.

I would draft up a letter to Time Warner with the specifics of whats going on and the violations they have committed. Do a search on the "Nutcase" and "Son of Nutcase" letters. You can pull some content from them. Again this is what I would do. Send them a letter with what happened, what they did, how that is a violation and give them the ultimatum(sp?) to delete or have you become a royal pain in their a$$es, FTC, AG, BBB complaints up to and including suing them.

During this time they should have the accounts updated on your CRs, from your previous conversation. If you send the letter CRRR, you'll know when they have received it. I would dispute it with the CRAs at this point.

Section 623 of the FCRA covers the responsibility of furnishers of information to report accurate information and should be referenced in your letter.

§ 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2]
(a) Duty of furnishers of information to provide accurate information.
(1) Prohibition.
(A) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
(B) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if
(i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate;
and
(ii) the information is, in fact, inaccurate.

The following posts have all my correspondence with the original creditor who re-aged me. Maybe you can use some of it in your letter.

First and Second email
Final email

I think the trick here is that you know they f'd up, you have to make them realize it and that you know what your talking about. Then they need to understand that if they don't remove the erroneous tradeline, that you'll become a major thorn in their a$$.

Good Luck

 

nope that is about all.

Let time takes its course, unless you have other proof.

 

You certainly are- ROYALLY!

When B**L S**T like this happens we as customers should make every effort to trash ther business just like they trash our credit !!!!!!!!!!!!!!!!

 

Yep and he gets 200% of the shaft! Hain't it wonderful?

I have heard that there is a place for scoring it fits right in with giving you a screwing so this must be the place they were talking about!

 

Kevin=Every body has problems with them thanks to the shady credit industry and the FICO Scoring SHELL GAME:

 

GLAD You're Mad.

If folks would only get mad enough to stop doing business with all these cheaters things would change for the better.It's the only cure.

 

It means that they wrote it off of their books as bad debt. So they're claiming it as a loss on their taxes.

A paid charge off means you paid it after they charged it off. This is still a score killer.

A charge off, generally means there is still a balance owed that they wrote off.

 

A charge off is when a company writes off an overdue account as a loss. Basically bad debt.

A Paid charge off is a bad debt that was paid. Wich is just as bad. It reages the acct for anouther 7 yrs and looks just as bad as an unpaid. one

 

" We Let Them."

 

Paying on a debt that has been previously charged off does NOT reage the acct . for another 7 years of reporting.