I have an OC problem. I'm sick of trying to figure out what I can and can't do legally. and believe me, ive tried...HARD. this OC (BofA) is listing an account that i genuinely do not recall having. the account # sort of matches up with one that i paid in full to a collector a LONG time ago, but the amount is different. I found some old CRs from 2000 that have a BofA chargeoff with a DOLA of 7/96. BofA has admitted in writing that they sold the account (but didnt say when or to whom). TU and EQ deleted this in 7/03, which is consitent w the DOLA. you might wanna sit down for this shocker: Experian wont delete it. *gasp!* I have disputed it 4 times, and i've gotten the 'verified', 'remains', & 'previously investigated' responses. I keep plugging away tho. I've gone after BofA too, and after 3 ignored dispute letters, all i've gotten is a letter that basically says they will 'update the account w all 3 CRAs" WHAT?! I really think this was a slap in the face. Its almost like their way of saying "keep messing with us and we'll slap it BACK on ALL your reports." I'm thoroughly disgusted. I'm done playing their games. what i need to know is this: can an OC pull my report (hard inquiry) just because they think i owe them money? this was AFTER i disputed w EX and sent BofA a dispute directly. also, they admitted this account was SOLD! (as opposed to assigned) sheesh this credit repair can get frustrating when you're dealing w OCs.
If they sold it, you don't owe them money. I would locate B of A's agent of service in your state. Send them an ITS for multiple violations of the FCRA including: non PP illegal reaging failure to mark in dispute, etc., etc.
