CLM Posted October 4, 2004 Report Share Posted October 4, 2004 I recently attempted to have two paid charge-offs removed from my CR. I wrote the OCs using the "we had an agreement to remove after paid in full" approach. I received letters back from both stating they are aware the accounts have been paid in full and the item should be removed within 60 days. After waiting over 60 days I forwarded a copy of each the letter to the big 3 asking them to remove the items. 30 days later I recieve a copy of my CR informing me the items were verified. I'm confused, since I didn't write them to dispute the account as "not mine". Is there a way to rectify this situation? Can I sue?Thanks to all who may have input! Link to comment Share on other sites More sharing options...
gprncss Posted October 6, 2004 Report Share Posted October 6, 2004 so then it remains as is? Is that what the big 3 are saying? Did they say anything else? Have you written to the OC about it?You have every right to sue the OC for it! Maybe start with an ITS letter? 2) Write a complaint on this creditor to their State Attorney!3) Put them out there.... www.planetfeedback.com4) Report them to the FTC Link to comment Share on other sites More sharing options...
CLM Posted October 6, 2004 Author Report Share Posted October 6, 2004 Thanks again for your input. I'm going to take your suggestion on this one. Link to comment Share on other sites More sharing options...
retmar Posted October 9, 2004 Report Share Posted October 9, 2004 Send a letter CMRR and restricted to the person who signed the letter or to the Credit Manager. Make it clear you kept your part of the bargain and relied on their professionalism to do the same as they promised. Go on as to your waiting the 60 days, etc. then filing the dispute and what happened as the items were not deleted as promised. Be sure and include a copy of their letter that states the items were to be deleted. Demand a response within 10 days or you will proceed with any avenue available to you in getting this matter resolved.More than likely what happened is they did agree to do this, but, the CRA went ahead and sent a dispute instead of accepting the letter, and the rep from the OC just checked in the system without reading notes and verfied. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted October 9, 2004 Report Share Posted October 9, 2004 I think part of it has to do on how you wrote the letter to the CRAs.You have to be VERY specific and blunt with them especially in explaining the supporting documentation.I have gotten lots of stuff removed from the credit reports in similar situations. Each time I am very specific and blunt in explaining the supporting documentation.Being vague or brief may not get you the results you are looking for. Link to comment Share on other sites More sharing options...
retmar Posted October 10, 2004 Report Share Posted October 10, 2004 Good point, Ravenous! Link to comment Share on other sites More sharing options...
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