@guiness56 wrote:I don't see the remark in them either. I responded before the TL was listed.
Hi guiness56 and RobertEG.
The last excerpt came from my Experian File, which shows the account was paid and is now closed.The original TL details I provided were from Equifax, whom I submitted an online dispute about 5 days ago. I know it is pretty early on the 30-day guideline for the OC to respond to the CRA, but I also figured the company (Americredit/GMFInancial) should take steps to correct mis-reported information (Current Status/Coding,etc).
I've made two telephone calls, but have been directed to dispute the information with CRA (1st) and the 2nd CS representative said there was nothing that they needed to change... Go figure.
@guiness56 wrote:I don't see in the EQ TL where it is being reported as 120 late. It does not show closed, which if it is paid, should.
Hi. Here is the details as they appear on my identitityguard 3-1 report
As for the DoFD, what the EQ TL shows is the date first major delinquency was reported which was 11/08. That is totally different from Date of First Delinquency.
GMFNANCIAL - CONSUMER DISPUTES THIS ACCOUNT INFORMATION, INSTALLMENT
EQUIFAX EXPERIAN TRANSUNION
| DATE OPEN | 11/2006 | 11/2006 | No information reported |
| ACCOUNT NUMBER | XXXXX | XXXXX | |
| ACCOUNT STATUS | At least 120 days or more than four payments past due | Account legally paid in full for less than the full balance | |
| OWNERSHIP | I | I | |
| MONTHLY PAYMENT | |||
| BALANCE AMOUNT | $0.00 | ||
| BALANCE DATE | 05/2011 | 11/01/2008 | |
| HIGH BALANCE / CREDIT LIMIT | $16,867.00 | ||
| PRIOR DELINQUENCY | 200810 | 200811 | |
| PAST DUE AMOUNT | |||
| COMMENT | Consumer disputes this account information | Closed - Account in dispute - Reported by subscriber (FCBA) |