Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 159
Registered: ‎02-21-2008
0 Kudos

T-Mobile Corporate acct dispute came back verified

There's a charge off and collection for $260 from T-Mobile reporting on my account. This was due to a business line of service that I ordered with my corporate credit card for company use. The account was put into my name rather than my employer's name for some reason. The service was cancelled due to poor service and T-Mobile incorrectly continued to bill after the account was closed. I told AP not to pay the bill (the cc they had on file had expired so they couldn't auto bill me) because the account was closed.


A few months ago this collection showed up on EX and EQ for me. I filed disputes with the CRA saying the accounts weren't mine and belonged to my employer but apparently they came back verified.


Any ideas what to do next? BBB?

Starting Score: 556
Current Score: 672, 681, 692
Goal Score: 700, 700, 700

Take the myFICO Fitness Challenge
Community Leader
Epic Contributor
Posts: 29,724
Registered: ‎03-19-2007
0 Kudos

Re: T-Mobile Corporate acct dispute came back verified

[ Edited ]

As for the billing issue, I would consider filing a dispute under the Fair Credit Billing Act (FCBA), which addresses the billing dispute issues directly, rather than disputing the credit reporting results indirectly.  FCRA disputes can be verified without providing any documentation, whereas FCBA disputes provide access to creditor records.


As for filing a complaint, you can send to your BBB, but the formal complaint process is to the FTC.



Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.