Current status is wrong...falling on deaf ears.

[annakathleen75]

Ga Power
Status as of Jan, 2013
Date opened [?] Jul, 2010
Date of last activity [?] Dec, 2011
Largest past balance [?] $131
Account Type [?] Open Account
Account holder [?] Individual
Industry Electrical Light & Power
Descriptions [?]

Paid collection
Utility
No contact information provided by Equifax

Balance [?] Current Status [?]
$0                120+ days past due
Seven year payment history [?]
30 days late 0 times
60 days late 0 times
90+ days late 2 times (Jun 2012, May 2012)
Recent payment history [?]

1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12
2011 2012
Legend:

Currently paid as agreed

120 days late

Had an issue with final bill with Ga power and bill was not paid.(we do NOT have service with them anymore)  When the issue was discovered, we paid the bill immediately and Ga power marked as paid. Balance Zero but Current status remains as 120+. I was advised on here to call them to have corrected as it should reflect paid, not 120+. I did. I sent letters. I went into office. The ONLY response I get from everyone is once it is 120+ it will continue to report that way until it falls off report. Was advised on here this is inaccurate. So I call again and again. They aren't budging and all disputes come back....verified!

They will not share a fax number with me so I can fax bomb their office, they will not even respond to letters anymore. Does anyone have any advice? Special wording I can use, the law I can cite in my next letter? I don't know what to do now...prepping for a mortgage and this is insane!  

[DaBears]

Hire a consumer attorney in your area, that will get to either correct it or even remove the TL.

[Shogun]

Looking at that posting, I don't see anything wrong with it so there wouldn't be an accuracy of reporting issue there.  You say when it was discovered, was there a billing issue?  Something that you could report to the BBB?

If not, then  your best option would be a GW.  And probably not through the regular channels as it seems to be getting you nowhere.  Maybe try someone up the ladder in the company.  This is also why I advise to GW before disputing.  If you make them mad harassing them with disputes, they aren't very open to GWs.

[starry1]

It's reporting as an open account when its not.

[annakathleen75]

Well not a billing issue. Moved and didn't get final bill. when we finally called them about it we pd it right away. Didn't want it to go to collections. I was told that the current status cannot be 120+ if it is pif. It should say paid. My question is how to get them to understand that? It is no longer 120 days late it is pd. My mortgage advisor says that needs to be fixed because lender will take issue with that.

[rckstrscott]

---

@annakathleen75 wrote:
Well not a billing issue. Moved and didn't get final bill. when we finally called them about it we pd it right away. Didn't want it to go to collections. I was told that the current status cannot be 120+ if it is pif. It should say paid. My question is how to get them to understand that? It is no longer 120 days late it is pd. My mortgage advisor says that needs to be fixed because lender will take issue with that.

---

Well, when did you pay this?!?

[guiness56]

It is listing as currently 120+ days past due.  It should not be.  Dispute it with the furnisher and let them know you are not currently past due and it should not reflect as such.  Incorrect reporting is a violation of the FCRA.

[Shogun]

It actually lists a $0 balance so it can list the 120 days late as the status representing the worst delinquincy.

[guiness56]

---

@Shogun wrote:

It actually lists a $0 balance so it can list the 120 days late as the status representing the worst delinquincy.

---

But it isn't.  It is listing it as currently 120 days past due.  That is not correct.  There is a place to report worst delinquency.  Op has stated that the lender is seeing it as being delinquent now when in fact it is not.  It was paid.  When it was paid doesn't matter, it was paid.

[rckstrscott]

---

@guiness56 wrote:

---

@Shogun wrote:

It actually lists a $0 balance so it can list the 120 days late as the status representing the worst delinquincy.

---

But it isn't.  It is listing it as currently 120 days past due.  That is not correct.  There is a place to report worst delinquency.  Op has stated that the lender is seeing it as being delinquent now when in fact it is not.  It was paid.  When it was paid doesn't matter, it was paid.

---

It does matter if it was paid 2 weeks ago and hasn't reported for February yet...

-scott