@Anonymous wrote:
I have a previous thread about equifax removing a disputed item and it coming back a week later with incorrect information. I disputed it again so they updated it. Now, instead of being IIB with a balace (the balace being what I disputed)...it is Collection, charged off-bad debt, $29K due, with the date of date of first major delinquency is 2/2016...a mont after it was discharged. I called EQ and was told they can only dispute it and said I need to contact the creditor directly. What do I say when I contact them? Should I do it via phone, email, or snailmail?
Thanks!
Contact the creditor directly in writing. You want to do it in writing in case you have to bring them to court. Have you spoken to your attorney about the bogus reporting of this debt? It is considered an attempt to collect (just by being on your credit report with the wrong reporting). The TL is supposed to read iib and zero balance. What you say in the letter is the date of your BK discharge and the date the creditor put it on your report showing it as an active collection. Let them know you know that it is a violation of the discharge injunction. If you don't want to write the letter contact your BK attorney to have him write it.
If your attorney doesn't want to take them to court (usually a letter takes care of it), then get a good consumer attorney to write a letter to the creditor. You could end up with $$$ in your pocket, plus the creditor would have to pay your attorney fees.
If you prefer, contact the CFPB if the creditor won't fix it immediately.
