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Does anyone know if it is possible to get a copy of an old credit report? For example an Annual Credit Report that I did earlier in the year?
TU has now changed their story and they are saying this account has always been on my CR, they will not accept a myFICO report as valid proof.
There is no way to obtaining old credit reports cause they change all the time.
So it's starting to look like I might be SOL.
I haven't been able to find anything in particular to help me in this specific situation.
FCRA § 611 5(b) can't help me if they claim it's always been there and I can't disprove that (unless I can get ahold of an old credit report).
The creditor won't fully delete, they stated they only suppressed and have washed their hands clean of the situation.
TU states they cannot 'unsupress items' although creditor stated they have not updated the account since Sept. 2012 (the change was made Jun 2013 at the same time I fixed my address with TU).