How to argue SOL to credit reporting agency?

[Anonymous]

Here you go: VERIZON

500 TECHNOLOGY DR
WELDON SPRING, MO 63304

(877) 325-5156

Balance:$399

Date Updated:06/01/2012

High Balance:$0

Past Due:  >$399<

Last Payment:05/04/2001

Pay Status:  >In Collection<

Account Type:  Open Account

Responsibility:Individual Account

Date Opened:05/14/1999

Date Closed:06/01/2012

Loan Type: UTILITY COMPANY

Remarks: ACCOUNT CLOSED BY CONSUMER

And mind you....not one single letter, ever!!!!  This just suddenly appeared on my credit report in June. I looked through all of my paperwork over the weekend.  Not ever has verizon ever claimed I owed them money. 

[Anonymous]

I now have a ll three credit reports in hand.  It only appears on Trans Union.

Now that I posted above exactly how it is on my CR, how should I proceed?

Thanks!

[Shogun]

My opinion is that it is reporting incorrectly.  It just doesn't add up.  I would definitely dispute to TU as I do not see any means this can be on your CR.

[AZHeather]

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@Shogun wrote:

My opinion is that it is reporting incorrectly.  It just doesn't add up.  I would definitely dispute to TU as I do not see any means this can be on your CR.

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+1 - I would dispute as well.  I would also send Verizon a DV letter asking for proof of the debt be sent to you.  As for only reporting on one report, that is not all that uncommon.  Some companies only report to one or two of the agencies as opposed to all three.

Keep us posted.