I'm working with DW on cleaning up some of her old paid off credit accounts. 18 months ago or so, we paid off around $200 from Victoria Secret that was 180 days late. Did it over the phone, guy we spoke to said if we paid in full, he would delete. Anyway, we paid, it wasn't deleted, so after reading this forum, we sent a GW letter and got back this.
"After reviewing our records, we are unable to provide you with your original application, sales receipts or historical statements as this information is no longer available or has already been provided to you....We believe the information we are reporting is accurate. Any information that is correctly reported, will not be changed."
It also says at the end, "Please include your account number with all correspondence." which indicated to us, they don't have it on file.
Considering we have already sent a goodwill, acknowledging it was a financial hardship and move across the country that led to this going delinquent, is this a case of DV or dispute?
Please help! We don't know what to do next.