I have several items on my report that I want to dispute AND delete. So the first one I picked to start with is a Lane Bryant Charge account for the amount of $121. I thought I had a zero balance on this card, it turned out that I had a $10 balance turn into $121.But if LB would have credited my account as discussed (refund charges for paying over the phone) and if I would have followed up on this account, this would not be haunting me now. I discovered in Dec 07 that my account was delinquent and past due! So I asked to speak with a supervisor to look at the notes on the account to find out what happened because I havenâ??t made any transaction on the account to have a balance. All of the balance was late fees. I explained that this account is delinquent because a rep didnâ??t do their job by crediting my account as promised! Anyway she was very rude and agreed to remove only half of the fees. She said she would mark the account paid in full and mail a confirmation letter agreement! So of course I paid over the phone and I have a record of the payment I made BUT no letter. The full balance still remains on my report. She never reported my payment to any of the CB. What should I do now? How should I proceed with the dispute? I believe I have all my statements and the person I spoke to. This is how it reports to each CB. LANE BRYANT Transunion Account No.: 8******** Condition: Derogatory Balance: $121 Type: Charge account Pay Status: Collection/Chargeoff WFNNB/LANE BRYANT Equiqfax Experian Account No.: ******** ******** Condition: Derogatory Derogatory Balance: $121 $121 Type: Charge account Charge account Pay Status: Collection/Chargeoff Collection/Chargeoff
can I upload an image? I wanted to show a screen shot of my payment history! Of how good to bad it went!
I disputed it as paid as agreed. no balance ow. SO now I'm thinking they will come back for my proof which is only half of the balance.....
