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Jcpenney


tonantzin11
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I have a tradeline on my report from Jcpenny, which is the OC as a chargeoff. It went to collections and I managed to get the collection deleted but the original Jcpenny TL still remains. I've disputed 2x's, first time as not mine and it came back verified and second time false info because it was saying I was late 60+ days starting in september which was not true. They updated the info but no deletion. Does anybody know what my next step would be. Thank you in advance.

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  • 2 weeks later...

"...should i provide as much info as i can or should i be vague..."

Regardless of what you write, some flunky has to convert the gist of it into a 2-digit code, which is the only thing transmitted to the OC. So, if you write a book detailing the nature of your dispute (for example: incorrect billing of your insurance company for an unpaid medical bill), that explanation gets translated into the numerical equivilent of "not mine", which, of course, gets "verified". So, it's easy to think that no one read your letter, when the truth is that your dispute doesn't fall into one of their standard categories.

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