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?
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.