ImNotADeadbeat Posted April 6, 2007 Report Share Posted April 6, 2007 I had a GMAC auto lease opened in 4/2000 - 30 months @ $536/mo. I returned the car in 10/2002 - no excessive wear & tear and closed the account in good standing - $0 balance. I have CR's from 2005/06 where GMAC itself reported the account as closed/paid in full - last reported 3/2003. All of a sudden in 1/2007 GMAC is reporting it as an open CO of $1059 placed for collection & skip tracing.How can they reopen a closed installment account? They themselves reported it as closed/paid in full?So far - I've disputed with CRA's and OC as a violation of 623(a)(1)(a) - Responsibilities of Furnishers.... I received the green card on 3/26/2007 and haven't heard anything yet.What would be my next step?Thanks for helping! Link to comment Share on other sites More sharing options...
ImNotADeadbeat Posted April 9, 2007 Author Report Share Posted April 9, 2007 I originally disputed this with the OC and CRA's as a closed account and asked them to report accordingly. They received the disputes on 3/26 and 3/27. I just checked and GMAC has re-verified the debt on 4/4.Since this is an OC is it a waste of time to DV? and since it's within SOL, I don't know how far I should push this. If re-opening the bill is a violation, then I'll pursue. If I don't have a let to stand on, then I'll let sleeping dogs lie.Help!!!! What should I do? Link to comment Share on other sites More sharing options...
divemedic Posted April 9, 2007 Report Share Posted April 9, 2007 Is the account a CO? Or did you actually pay it?623(a) violations are not actionable, only 623( violations are. Link to comment Share on other sites More sharing options...
ImNotADeadbeat Posted April 9, 2007 Author Report Share Posted April 9, 2007 I paid the entire note - in full. It was reported as $0 balance/in good standing for 3 years. Then all of a sudden it was a charge off for $1059.Should I just dv them? I'm trying to figure out what proof I have if they come back and say it's verified as it is w/in SOL. It was an auto lease, so I have the form that says I returned the car, but I don't have a payoff statement or anything. It was an installment note - $536 for 30 months. Can I just provide all of my bank statements or checks saying I paid it off? I don't know where this $1059 came from. But, I did see another post in this forum where another person said that GMAC has suddenly reported a CO on their CR for exactly $1059 in 2004. Strange coincidence.How can they just reopen and say I owe them money? Link to comment Share on other sites More sharing options...
ImNotADeadbeat Posted April 12, 2007 Author Report Share Posted April 12, 2007 I just received my CR's from EX and TU and GMAC has verified AND re-aged. They have also reported different to EX than to TU. They've even reported that I'm paying - which I'm not. There hasn't been any activity on this account since 10/02. I'm starting to get confused between verifying w/OC and validating w/CA. What's my next step? Link to comment Share on other sites More sharing options...
InsideTexas Posted April 12, 2007 Report Share Posted April 12, 2007 I'd call the OC and ask them WTF they are doing. But that's just me. Link to comment Share on other sites More sharing options...
ImNotADeadbeat Posted April 12, 2007 Author Report Share Posted April 12, 2007 I'm hesitant to call only because I want to keep my paper trail. Other than these recent violations - which are many - I still don't understand how they can just all of a sudden say I owe them money?!?!?!?!??If that's the case, I'm just gonna start sending out invoices to people and see who pays. Then when they don't pay, I'll screw up their credit and if they do pay - yea for me!!!! Sorry - had to vent there for a sec - I just want to wring these guys necks. I guess I'm just going to ask for a verification then see where that goes.Thanks everybody! Link to comment Share on other sites More sharing options...
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