If it is the OC reporting, send them a direct dispute under FCRA 623(a)(8). Tell them exactly what you are disputing and why. If they sold the vehicle ask for an itemized accounting of the account to see where the money amount is coming from. They have 30 days to respond to you.
Since the OC still owns the account and are reporting deal with them now.
Leave the black bolded sentences as is, fill in the blue parts with your information ie, what is wrong, what it should be etc. Include any documents you may have.
“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.
“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)
Starting Score: 672 TU, 669 EQ, 659 EX FAKO(10/3/11)