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In this instance, it does not matter. It has already updated to a 0 balance.
@guiness56 wrote:In this instance, it does not matter. It has already updated to a 0 balance.
ahhh you are correct, oh wise one.. I stand before you in awe
-scott
@rckstrscott wrote:
@guiness56 wrote:In this instance, it does not matter. It has already updated to a 0 balance.
ahhh you are correct, oh wise one.. I stand before you in awe
-scott
Not sure how to take that.
Complain to the GA Utilities Regulator?
@guiness56 wrote:
@rckstrscott wrote:
@guiness56 wrote:In this instance, it does not matter. It has already updated to a 0 balance.
ahhh you are correct, oh wise one.. I stand before you in awe
-scott
Not sure how to take that.
haha Yeah I guess if I was standing before you that would be kinda creepy....
-scott
Instead of further phone calls to them, do a direct dispute under FCRA 623(a)(8). It requires the furnisher of the information to investigate and make changes, fix errors, etc. They also need to notify you within 30 days. They have to respond or they are in violation of the FCRA.
Fill in the areas that apply, delete the others:
“This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file.
► (If sent to a debt collector, (CA), it might be beneficial to also include the blurb:
► “This is a direct dispute of credit reporting. This is not a request for debt
validation/verification under FDCPA §809(b).”.
(don’t let them just simply sluff it off as a meaningless DV letter)
“In compliance with FCRA §623(a)(8)(D), and enacting regulations published at 16 CFR § 660.4, this Notice of Direct dispute includes:
“Identification of the specific information being disputed:
(specify the account number, and the specific information that is disputed under
that identifying account)
“Basis for the dispute:
(how the reporting was inaccurate; was any reporting in violation of any statutory or
regulatory provisions? account or express agreements? CRA reporting gudelines? Account not
yours? etc.)
“Supporting documentation:
(all documents that support your dispute; it is recommened to also include,
as part of your documentation, at least a copy of the portion only of your
recent credit report showing their reporting of the disputed information was
actually reported to your credit flle. The implementing rule suggests a showing
that it appeared in your credit report)
It could update to a paid collection, which wouldn't make any difference. And what lender would see a current delinquent amount with a $0 balance? Seems like they need remedial math.
I agree with the direct dispute. Hopefully that will settle the matter.