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I recently contacted CFC to get my report updated from a payment I made back in May 2012. My CR still shows this as unpaid. As a result of me contacting them I received a derog notification from my credit monitoring. How do I update this account or possibly get it deleted without it hurting my CR any more. Has anyone had any luck with this company?
you could dispute it
These guys are jerks. I sent them a PFD and they didn't respond and also sent notice to the CRA's that I was disputing. That may have been due to the wording in my PFD letter but I think they are just jerking me around.
What is it for? Is it medical? Mine is medical and I'm now going to follow the Whychat Hipaa process to see if I can get it removed.
They have a statutory obligation to make timely update. FCRA 623(a)(2).
Send them a direct dispute, with the inaccuracy being the failure to comply with their requirement to update their reporting.
That sets a 30-day period for their investigation and resolution of your dispute.