And was taken over by another credit union, they all of a sudden started putting errors on all 3 of my reports. This has been almost a 2 year long fight of constant disputes and getting nowehere. The latest one was Transunion which came up with an active Signature Loan that I'm paying 78/month and it says included in Chapter13 Payment plan Blanace 0? HUH It also says verifed 10/2011 and will stay until 7/2018! I'm not even in a Chapter 13. When I call them they put on hold & say somebody will return a call tomorrow but never do. They've ruined my Equifax file with 2 late that were never late and Experian shows 1 Late on a closed account.
I wasn't a victim of id. theft I was a victim of poor transfer of files from one failed Bank to another, and thus my fight started almost 18 months ago! After several disputes with all 3 CRAs and numerous calls to the new Credit Union it just got worse! I've been sending timely payments on my signature loan which they are reporting to all 3CRAs as Closed and on a payment plan Chapt.13 But my monthly statements show I'm paid up to date? I'm not in Bankruptcy! I've already sent them a CRR 30 letter with intent of legal action if they don't correct the issues!
Azsun, this situation calls for a credit attorney. If a bankruptcy was placed on your credit report and you have no knowledge of it, an attorney, particularly a a BK attorney can investigate it for you. Good Luck!
Thanks Again Josh: And now the Battle Begins! I've been paying the signature Loan on time ( the one they claim is Closed & on a Chapt.13 Payment Plan, But however did get a signed return reciept on 10/28 from the Credit Union that they recieved all the supporting documents I sent them, Now the Clock starts ticking 30 days then I can file with the Federal Court in AZ as per FCRA violations.
