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I'm about to lose my mind dealing with BOA. I quit sending them GW's for removal... They have no heart!!! I have now settled to blatantly HARRASSING them to get 3 lates they've posted to my credit. The account charged off on 10/18/2008 but they have put lates on my CR's for 09/10, 01/11 & 04/11 which is making me crazy because they know that's incorrect especially since the debt has been PAID!!!!
I don't know what to do now. I sent 18 letters to different names & addresses but no one has responded. What do I do next???? PLEASE HELP!!!!!!!
Good luck with that. They are one of the crappiest companies. Any company who goes so far as to forge mortgage documents can kiss my keester.
Wouldn't that be a reason to dispute the incorrect info w/ the CRA since they won't deal with you directly?
Booner,
At times I get soooo frustrated with them I could just go postal!!! & Unfortunately the only thing I get from the CRA's is BS on how BOA is the only one that can update the incorrect info even though I've faxed them letters from BOA execs showing the C/O date & pointing out the discrepencies in the way they're reporting.
The FCRA says that info has to be corrected or deleted. Have you brought that up to the CRA? (I'm sure you have).
how frustrating!!!
Keep at it - don't let them win this one.
Argue the incorrect information with the CRA. Like a PP said, it has to be corrected or deleted. I've sent many unsuccessful letters to BoA in the past - but if you are correct, they will have to fix what is being reported.
After fighting every day with EQ they decided to delete 3 lates that were incorrectly being reported on 09/10, 01/11 & 04/11..... Tears of JOY came running down my face!!!!!!! Thanks guys for ur help & for having my back!!!!
Glad to hear it!
**** CORRECTION ON MY LAST UPDATE!!!!!!!! ****
I pulled EQ to check on what they deleted & it looked as though they had only deleted 01/11 & 04/11 NOT 09/10 SOOOOOO I called them back to have them correct that one too & the gentleman noticed that they were reporting a late on 12/08 which was incorrect since the charge off was 10/08 & he went ahead & put in a request to delete that one too & to reflect that it's a PAID charge off!!!!!!!
That's a total of 4 lates 12/08, 09/10, 01/11 & 04/11!!!!!!!!!!!!!!!