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CA reporting a debt that has been paid three years ago

Regular Contributor

CA reporting a debt that has been paid three years ago

I have a CA that is reporting and trying to collect a balance on a debt that was paid back in 2010. Therefore, the CA has been reporting false information for the past three years.  So my question is can I file a complaint with the CRA an request to have that item deleted for false information?

Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: CA reporting a debt that has been paid three years ago

Do you have proof that it was paid?  If so, I would send a GW first and ask for deletion before going the other routes.  I would advise them that this has been paid and has wrongfully hurt your scores over the past 3 years.  Be nice about it and see what they send back.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 6
Regular Contributor

Re: CA reporting a debt that has been paid three years ago

The OC contacted them today an advised them that the debt was paid back in 2010.

Message 3 of 6
Moderator Emeritus

Re: CA reporting a debt that has been paid three years ago

Send them the GW!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 6
Regular Contributor

Re: CA reporting a debt that has been paid three years ago

I'll try to GW them. But can I file a complaint against them for reporting the account incorrectly  for the past three years?

Message 5 of 6
Highlighted
Moderator Emeritus

Re: CA reporting a debt that has been paid three years ago

All they would have to do is say oops,, and update it.  How about going the GW route first, it would be better to try some GW before complaints.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 6