MR XX, This letter is in response to the faxes correspondence that was received on April 15,2006,regarding the above referenced account. According to our records,a Dillards credit account was opened on April 1 1998. Due to the age of the account, the application would no longer be available,based on our record retention guidelines,which are in compliance with applicable regulations that govern our organization. We have reviewed your account record and verified that we have reported your information, as it appears in our files to the credit reporting agencies,a,b,c,d. Since we have reported accurate information pertaining to the account,we are unable to delete or modify the status as it is reported. I have 3 of the letters,all from Ge Money Bank,Dillards,Pennys,Lowes and Ge Money took them over some time after my discharge. I filed bk7 on 7/2002 and discharged 11/2002. These accounts were never late prior to file and the all say charged off,with different dates and one actually says payment made after discharged. HELP ANYONE?????
