Hello everyone, Need help determining what the next step is in disputing this account. On March 12, I sent a letter to the OC disputing the tradeline. When I got the green cards back, I disputed the tradelines with Experian and Equifax. I received the green cards back from the CRAs. I have not received updated reports yet. This morning when I checked the account on True Credit, this is the way the account looked: Experian Account No.: Condition: Closed (Paid) Balance: Type: Credit Card Pay Status: Collection/Chargeoff Equifax Account No.: Condition: Closed (Paid) Balance: Type: Unknown - credit extension, review, or collection Pay Status: Collection/Chargeoff Experian is reporting CO in March 05 REMARKS Experian Past Due: High Balance: Terms: Limit: $100 Payment: Opened: 04/2000 Reported: 08/28/2001 Responsibility: Individual Equifax Past Due: High Balance: $100-was reported as $320 Terms Limit Payment: $0-added after dispute Opened: 04/2000 Reported: 03/2007 Responsibility: Individual Remarks: [TransUnion] [Experian] Unpaid balance reported as a loss by credit grantor. [Equifax] Paid charge off Accounts closed by credit grantor The thing is that I have a copy of my check in which I paid these people $320.20 on 8/24/01 and I do not owe anything on this account and it should not be charged off. Everything reporting on this account is wrong. What is my next step. Do I wait for the updated reports from CRA before I do anything? When I get the reports, how should I proceed. Dispute with CRA only and demand it be fixed withing xx days or I will seek legal remedy? Thanks for your help.
Update-Letter from the OC today I got a response from the OC today. The OC is standing firm that the account was closed due to delinquent payment condition and it has been paid in full. (It was not delinquent and yes, it was paid in full). Experian DOLA:8/2001-The OC reports 320.00 written off and it has two dates the account was charged off.....7/2001 and 8/2001 Exquifax DOLA: 7/2001 and Date Maj Del 1st reported: 8/2006. I paid the account in 8/2001. and current status: charge off This account was paid in full 8/2001. I have a copy of the check. This account just popped up and started reporting in 8/2004 and I have been dealing with the inaccurate reporting since. Do I continue to work with OC on this? How can I ask the OC for a copy of their records. I know they don't have to provide them, but they are wrong on this account and all I have is a copy of my check to back me up.
