I had an account with Raymour and Flanigan back in 2004. I paid off the account, and although it was a charge off, it was showing as a a zero balance for the past few years.
All of a sudden, I now have TWO accounts on my credit report from Raymour and Flanigan, one showing a zero balance, the other showing $9,000 past due!!!!
I disputed the account, it came back verified, I called Raymour and Flanigan, they said they would look into it and get back to me, but I know talking to them over the phone was bad...
Can anyone give me advice...how can I get them to remove the addtional account I never had, and delete the amount that I don't owe? Does anyone have a sample letter or an email address or mail address that I can send the letter to, like the CEO of Raymour and Flanigan.
Ugh, I am so upset, this was the first thing I paid when I started to clean up my credit!!!