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About alizane

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  1. I brought a car last year in August, in Sept the loan was funded by BOA. However, I was not given any notificaiton of this. The dealership had my wrong address and hence so did BOA. They sent statements to the wrong address and finally when I looked at the credit report I found that I was marked late. BOA since has refused to remove the late despite admitting they had my wrong address. Can I file a FCRA suit against BOA for failing to notify of adverse reporting and what section of the FCRA would I cite ?
  2. I have an outsanding student loan in California from 1986 which ECMC is now threatening to sue me on.. I do know that student loan statute were removed by the congress a few years ago, does this apply retroactively in time ?