Hi all,
Im in a similar situation trying to figure out FCRA violations.
I had a credit card with BoFA for 30k defaulted due to unemployment. They sued me O hired a crappy lawyer and eventually settled for the full amount but paid in monthly payments without interest.
Now they are reporting the account as charged off every month, they show an available credit amount, credit report does not state that it was settled and they report a new charge off every month (38) total.
can someone help me figure out the FCRA violations, this is impacting my credit score every month! ( Al