torikid Posted August 9, 2007 Report Share Posted August 9, 2007 Yesterday, I had a situation that brought me kind of down. Some of you might know about it. Oddly enough, it was on an account with BofA that I met with NACA yesterday about. No luck there, but 8/7/07 I had reported them to the BBB, FTC and was filling out the AG so I could send them a ITS letter as I read SAW posted a while ago.My guts for the ITS was the SCRA which is an up in the air dispute. I guess they don't know that since MBNA did the changing. Anyway, I have a message from the VP of BofA on my machine.WHAT SHOULD I SAY? LOL. Now my inner childhood ignorance comes out.1. They have reported my report innacurately multiple times over the year. I see no amount of fine listed so is this a per incident or just a one time violation?2. If the dates are different and the amounts are different is this one violation per account or per CRA or... how does that work? I don't intend to be rude and threatening, just knowledgable. I will speak to him assuming this account should be protected by SCRA.Has anyone ever had this happen before? I feel great! LIke I am getting somewhere, I am just afraid to call him back. LMAO. Maybe I will get easy results on the phone. Fortunately, I can record the conversation in my state. Link to comment Share on other sites More sharing options...
torikid Posted August 10, 2007 Author Report Share Posted August 10, 2007 bump Link to comment Share on other sites More sharing options...
torikid Posted August 13, 2007 Author Report Share Posted August 13, 2007 bump Link to comment Share on other sites More sharing options...
swirlgirl Posted August 13, 2007 Report Share Posted August 13, 2007 Hi, just tell them they are reporting inaccurate information and have verified it with the three CRAs multiple times. This is a viloation of the FCRPA. Ask them to delete it and the matter ends here. Ask that they send you a delete letter. The fact that the VP called you back means they are at least a little concerned. Keep the call short and sweet. Don't try to quote the law or name a number of violations. Link to comment Share on other sites More sharing options...
torikid Posted August 13, 2007 Author Report Share Posted August 13, 2007 Thank you, short and sweet is a great idea. Link to comment Share on other sites More sharing options...
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