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TransUnion and Experian both list a charged-off credit card on my reports. They list the account as Balance $1787, PAST DUE $1787
I have disputed but came back "verified".
I then disputed with the Creditor and they sent me documentation that the Balance is $0 and Past Due is $0.
I sent this documentation to both CRAs. The reinvestigation came back "verified" and updated, but same Balance of $1787, past due $1787.
They are ignoring the documentation.
What step should I take now? I already filed 2 BBB complaints.
The OC may need to update with the CRAs.
If that doesn't work, you can always take them to small claims court.