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Discussion in 'Credit Talk' started by bobndj, Oct 18, 2001.
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I think the problem probably lies with citi. I would call them back and tell them they need to fax a UDF (universal data form) back to TU and Equ. At that point it will take 30 -60 days to correct, because the cra's really care about having accurate records.
Geez.... I feel like Citibank is haunting me. Experian just changed my status of "paid in settlement" good account to being a "included in BK" under negative accounts. What the heck is up with that? I guess I'm off to spend my day back on hold with Citibank again......
Anyone have any better ideas??
I seriously doubt that my answer will qualify as being "better" than that of LKH, but you might want to demand that they prove who actually did the verification. Name, company address and company phone number of the person who validated the report if you demanded that a verification be done on the reports.
If you don't have proof of who is doing the dastardly deeds, then who can you go after for any violations?
I think I would also suggest contacting Citibank, but don't speak with the person who answers the telephone. Make sure you get a manager on the other end of the line. Explain the situation clearly. Request that the send you a signed letter on corporate letterhead which clearly/acurately states how the account should be reported... Tell them it is urgent and ask them to fax it to you.
With that in hand- make one more call to the CRAs. Tell them to comply with your wishes and the creditors... correctly and accurately list the account or delete it. Give them 30 days and check the reports again. If they don't, you may have to take them to court to get it corrected, but now you'll have the paperwork trail and evidence needed to win.