rubeninfl Posted April 11, 2008 Report Share Posted April 11, 2008 Hi All. I hope someone can help me here. I once read a post on how to take care of this but I can't find the post now.I have a GMAC account that shows up on my 3 reports. The item says that I was 30 days late two times in 2/02 and 3/02. I was pretty sure that I had never been late on that account so I had the bureuas investigate and all 3 came back as verified and nothing changed on my reports.I noticed that GMAC had not updated the account since 2004 so I called them to see why they say I was late and it turns out that since the account is 6 years old they no longer have it in their system. They were not able to verify anything to me. So how were the credit bureaus able to verify my lates? Something seems wrong.What do I do? If I have the bureaus investigate again I feel they'll just come back as verified.Any advice would be greatly appreciated Link to comment Share on other sites More sharing options...
lovebug5 Posted April 11, 2008 Report Share Posted April 11, 2008 I had the exact same issue happen with GMAC. I followed the FCRA Section 623 dispute process with them and additionally filed a BBB complaint. They deleted the TL in it's entirety, which was a better option for me than having the lates...So in the end, it worked out. Link to comment Share on other sites More sharing options...
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