Settlement suddenly showing on Experian report

[kbella]

Just spoke with the CA (took FOREVER to get a hold of an actual person).  Said they will not remove an account unless it's fraudulent.  He did say that the tradeline is inaccurate since the full balance was paid, that it should say paid in full, and told me to contact the CRA for incorrectly reporting.  I guess we'll see how Experian handles the dispute I submitted.  In the meantime, I am still going to mail them a GW letter to asking them to remove it.  What could it hurt right?

[Anonymous]

kbella,

if I were you, i would:

- send an ITS letter to the CA, reminding them of THEIR duty to furnish 100$% correct information to credit bureaus, consider their violation wilfull since they acknowledged the tradeline being incorrect, and giving them 5-7 days from receipt to correct the information and pay you a statutory fine of $1,000, or you would file suit

- file a complaint with your state AG, the CA's state AG, the FTC and the CA's city BBB for wilful violation of FCRA 623

these are your rights.

But if you still want to do your way, it's your pregorative.

[kbella]

What is an ITS letter? 

[kbella]

Experian just deleted from record as of today.  Yay!

[llecs]

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kbella wrote:
What is an ITS letter? 

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If you haven't found it already...Intent (or Intend) to Sue

[kbella]

Thank you, I did (google is my friend).