Im going to call an FCRA attorney today. I have been battling with FMC for months to get this corrected on my Eq, and EX reports. Luckily its not on my TU at all. But heres the story.
Bought this vehicle in 09 new. Had to file BK7 in 2010 because of a realestate investment from 06 that was going bad. So we reaffirmed this vehicle no problem. Well in 2012 we had job loss and couldnt afford it anymore. So we decided to vol repo it. No drama. The car was always paid ontime up to 6/2012. FMC wouldnt take it back until it went 120 days late, so we stopped paying and let it sit. It goes in sept 2012 and by dec we get the overage letter. Couldnt pay it, so we let it go. Well two years later they decided to sue us for the overage.
So we strung them along until we were able to do BK13. Got out of the law suit and a bunch of other business expenses that we had the opportunity to get rid of with this BK. So fast forward to a few months ago. Im looking at our credit reports to see what i can start working on, and I see FMC on there now. It wasnt there at the beginning of the BK, but now it is in a bad way.
Firstly its showing OPEN (wrong). Secondly its showing Charge OFF(wrong- should be IIB) Thirdly its showing a balance (wrong). And lastly and the WORST, its showing 90 days late for 42 straight months(VERY WRONG). Basically its still reporting and all those COs are counting as 90 day lates on my eq and ex. This is awful. So I disputed on both CRs, three times, and all three times its coming back with the same info. I called FMC and they transfer me from Collections to recovery and to bk departments and back. They wont help, and my BK lawyer wont help with the credit stuff.
Should I call a FCRA lawyer and sue? We moved a few months ago, and had to pay several deposits for utilities because of this account. I have nothing else bad showing but the BK. Scores for both eq and ex are in the low 600's. See the screen cap and lets here some opinions.
