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Frustrated!!!! Late payments showing AFTER paid in full!

Valued Member

Frustrated!!!! Late payments showing AFTER paid in full!

I have a Installment loan listed on my credit report that I paid off in 2010.  However, they are reporting late payments from 11/2009 to 2/2010.   I sent the OC a GW letter to remove delinquinces.  They wrote back with the standard letter that they had to report accurately.  I disputed with the CRA and they verified it.

 

What I want to know is how could I be 90-120 days late in 2009 and 2010 on an account that was paid off in 2006?  I wrote the OC back asking them this question and telling them that their information with regard to delinquenices listed on my credit report is indeed inaccurate.  I am waiting to hear back. 

 

However, is there something that I can do - it doesn't seem fair or legal that a company can report delinquencies on an account that is paid in full?

 

Please help!

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 1 of 15
14 REPLIES
Valued Member

Re: Frustrated!!!! Late payments showing AFTER paid in full!

ooopss correction.  The account was paid off  in 10/2006.  The CR shows date of last payment as 10/2006.  Date of first delinquency 3/2006.  And Date closed 10/2006.

 

However on the account history there are late payments for: 

02/2010 (90 - 119 days)

01/2010 (120-149 days)

12/2009 (90-119 days)

11/2009 (60 - 89 days)

10/2009 (60-89 days)

9/2009 (30-59 days)

8/2009 (30 - 59 days)

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 2 of 15
New Contributor

Re: Frustrated!!!! Late payments showing AFTER paid in full!

i am going through something very similar (with a cc company) and am completely at a loss on what to do.  keep me posted and good luck Smiley Happy

Message 3 of 15
Valued Member

Re: Frustrated!!!! Late payments showing AFTER paid in full!

I will do.  I wrote a letter to the OC quoting how they said they "do not remove accurate" information in reply to my GW letter.  I told them that reporting late payments in 2010 on an account that was paid in full is inaccurate and they need to remove this information.  I copied the President, VP, CFO, etc. on the letter.  My next step is to research the FCRA to see if I can find some specific information about this so that when I dispute with the CRA again I can quote that. 

 

Let's keep each other posted.  Hopefully someone will read this and let us know what worked for them ;o)

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 4 of 15
New Contributor

Re: Frustrated!!!! Late payments showing AFTER paid in full!

i'm researching FCRA as well bc i think i'm going to have to go through small claims court Smiley Sad UGH!!!

Message 5 of 15
Valued Member

Re: Frustrated!!!! Late payments showing AFTER paid in full!

Yeah but maybe if you threaten them with suing them for wilful non compliance first will work?  That is my next step if I don't get a favorable reply from the OC

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 6 of 15
New Contributor

Re: Frustrated!!!! Late payments showing AFTER paid in full!

what's you timeline/time limit before you act?

Message 7 of 15
Valued Member

Re: Frustrated!!!! Late payments showing AFTER paid in full!

Not sure?  Maybe it goes with the statute of limitations on the debt?  Let's both research and collaborate our efforts.  I probably won't do any substantial research until tomorrow, but I will PM you with my findings and you can do the same.  Together we are bound to get this solved - don't you agree?  BTW what CC company is yours for?

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 8 of 15
New Contributor

Re: Frustrated!!!! Late payments showing AFTER paid in full!

its a fashion bug account, super silly i know, but wfnnb is killing me, lol!!  experian and equifax are reporting key derogatory & repossession/foreclosure respectively with no "30", "60" "90" lates etc even though its PIF'd from last year! 

Message 9 of 15
Valued Member

Re: Frustrated!!!! Late payments showing AFTER paid in full!

I had an account with Lane Bryant that I think is with the same cc company?  Anyway, they were really nice.  I was extremely late and when I paid I asked them if they would help me out by removing the delinquent information and they did.  Did you call or do a GW letter?  This was way before I started my fico so I don't have the person I talked to but if you PM more information I may be able to dig something up for you.

Equi:
4/9/10 = 521
8/3/10 = 564
9/16/10 = 578
11/7/10 = 612
11/24/10 = 641

Message 10 of 15