Incorrect reporting

[SSH0126]

Thanks we are gonna need it.

[SSH0126]

Okay so RAC never responded to the letter we sent them to correct or remove the incorrect reporting. 

What should our next steps be? 

Thanks in advance. 

[guiness56]

They are in violation of the FCRA for not responding within 30 days. 

You may need to file a civil suit against them. 

[SSH0126]

Should I send a letter of dispute to the credit bureaus? 

[guiness56]

If you do and you have already disputed with the OC it can be considered frivolous and not even considered.

[SSH0126]

Wow. I mean to go to civil court is just crazy. I would think that if they did not have proof or respond that the CB would make them just remove or correct it...

We are not sure how to go about the civil thing. Any insight

[guiness56]

I would contact a consumer attorney for a free consult and ask their opinion.

I agree they should have done something.  To just ignore it leaves them liable for a suit.

[SSH0126]

Now since I live in Texas could I send them the Texas Finace code letter? 

[guiness56]

That is for 3rd party collection agencies.  There may be something in there for OCs.  I'll need to look into it.

[jimmy_b30]

What was the outcome?  I am about to start the process of getting rid of a RAC chargoff.  I DID owe them around $450.00 when I stopped paying it.  The charged off $4200.00.  Thank for your input.