I pulled all 3 reports from FreeCreditReport.com, are they not the correct ones? I looked on an older report and it says under AFNI date opened 1/1/01. What should I do?
Freecreditreport.com is not annualcreditreport.com. Freecreditreport.com is a product of Experian and they do not offer full access to your other two reports. They show a truncated version of it. Annualcreditreport.com was created by an act of Congress via FACTA (now part of the FCRA) which requires all three CRAs to provide a full copy (like what you see for EX) for free once a year. EX created Freecreditreport.com to try to capitalize on the annualcreditreport.com website. When you go to FCR, you actually have to pay to get access. Nothing free about it.
Just for fun:
What is the source for the report that says 1/1/01? Was it from a CRA? Third-party site? Was it on a CRA that is reporting the same CA now?
So I just called afni and asked for proof that the debt was even valid and they are saying that they have no paperwork from tmobile what so ever. They only have the dates in the computer. They also stated since it was paid in full that they can not nor do they have to remove it from my report and that I can no longer dispute it since it was paid. Is that correct?