ADSOFT Posted September 29, 2010 Report Share Posted September 29, 2010 Seems that someone got a credit card under my account without my authorization. They never used the card, but I want to get it off since it is considered a negative on my account.Reported it with the CB (EXPERIAN), they confirmed it. Call the OC and asked to have it removed. They confirmed that it was incorrect reporting but said I had to contact CB. I told them that they said to contact OC. The CSR at OC told me they couldn't do anything about it. Well I responded that incorrect reporting is a FEDRAL OFFENSE and that I could be sued for misrepresentation of my credit status. I also told them that both the OC and CB could and would be sued for false reporting information in CREDIT REPORT, which they both know to be true.CSR said I was right and would try to get it off and send me a letter that the information is fraudulant. We will see. For those that have the situation where the OC, CA or what ever is reporting false info, you can always state that reporting false info is fedral offense. ... it might work to get them off thier but. Correspondence with threat to sue would be the next step. Link to comment Share on other sites More sharing options...
soveu53 Posted September 29, 2010 Report Share Posted September 29, 2010 Here my suggestion locate your states consumer reporting rules and send both those lamers a copy of it along with your complaint letter in writing indicating that they are in violation and if no action is being taken to correct such violation that you will seek further actions. Good luck on whatever you decide. Link to comment Share on other sites More sharing options...
cinnamngrl Posted September 29, 2010 Report Share Posted September 29, 2010 which bank holds the credit card? If it is a national bank, I would file a complaint with the OCC. Link to comment Share on other sites More sharing options...
ADSOFT Posted September 30, 2010 Author Report Share Posted September 30, 2010 The OC was WAMU, and WAMU was bought out by CHASE, so I have to cut chase a little slack. .... but not much.As soon as I said "incorrect reporting is a fedral offense", the CSR started taking me seriously. Link to comment Share on other sites More sharing options...
cinnamngrl Posted September 30, 2010 Report Share Posted September 30, 2010 imho, customer service rep, is not at the level to have the power to change reporting at CHASE. Since you are describing conversations, I have to assume this is over the phone which is bad. PLEASE, document your problem in writing, read up on 623 and send this letter by CMRRR. Then when you get it back file a complaint. just stop if you get proof that they changed your reporting. but I don't care what they tell you. if if you get a letter the communication with the CRAs could be inconsistent. I had this problems with BofA. it is important to document this process Link to comment Share on other sites More sharing options...
ADSOFT Posted October 1, 2010 Author Report Share Posted October 1, 2010 imho, customer service rep, is not at the level to have the power to change reporting at CHASE. Since you are describing conversations, I have to assume this is over the phone which is bad. PLEASE, document your problem in writing, read up on 623 and send this letter by CMRRR. Then when you get it back file a complaint. just stop if you get proof that they changed your reporting. but I don't care what they tell you. if if you get a letter the communication with the CRAs could be inconsistent. I had this problems with BofA. it is important to document this processI agree with all that you just said. I spoke with manager, want to make a verbal request before I start putting things in writing tho. Link to comment Share on other sites More sharing options...
cinnamngrl Posted October 1, 2010 Report Share Posted October 1, 2010 don't be shy about filing with the OCC. it will make sure this goes through Link to comment Share on other sites More sharing options...
ADSOFT Posted October 1, 2010 Author Report Share Posted October 1, 2010 don't be shy about filing with the OCC. it will make sure this goes throughIf I want to write something to Chase, what department should I send it to? Link to comment Share on other sites More sharing options...
cinnamngrl Posted October 1, 2010 Report Share Posted October 1, 2010 use the address on the back of your statement. no one may read it until you file the complaint but don't worry Link to comment Share on other sites More sharing options...
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