Bank of America is reporting three baddies instead of one

[iltph]

I used to have a personal and business checking account and also a VISA credit card with Bank of America. I defaulted on my credit card about eight years ago and closed my checking accounts out two years ago, both of which had a balance of 0 at the time. I know those didn't have any problems because my current bank ran me through ChexSystems two years ago and yesterday when I opened a savings account and I wasn't in their database.

Type | DOFD | High Balance | CRAs
Credit Card | October 2001 | $3,554 | TU, EX
Line of Credit | June 2002 | $5,465 | TU, EX, EQ
Credit Card | February 2005 | $3,454 | TU, EX, EQ

They are reporting three different baddies on my account. Two are both charged off credit cards and are only $100 difference and the other is a line of credit (which I have never had in my life).

I believe the baddie that was DOFD October, 2001 is the one that was my old credit card. I have no idea what these other two are. It's possible they could have attached someone else's debt to me because I have a very common name.

What I am wondering is should I wait until the baddie falls off in September or contact them now? They don't appear to be using a CA because BoAs address shows up for all three. (one cc and the loc are in Norfolk, VA and the other cc is in Wilmington, DE) What kind of letter should I send BoA since you only send DVs to CAs? I really need to have my FICO as high as possible in another month or two because I need to buy a new car. I just don't know if I should wait until September for the one to fall up, but on the other hand I could possibly get the other two removed.

Message Edited by iltph on 03-12-2008 07:51 PM

[ngerasimatos]

Are all of them due to fall off in Sept?

[iltph]

No, one (that I think's mine) falls off September 2008, another May 2009, and another in January 2012.

Message Edited by iltph on 03-12-2008 07:55 PM

[ngerasimatos]

If you know FOR SURE that you never defualted on any accounts with B of A or any company/bank they may have later purchased, then I would say give them a call.

I had somehting similar happen with US Bank a few years back and it was fairly easy to resolve via the phone.

[iltph]

Do you really think I should call them? I thought it was always best to deal with CAs and OCs through mail?

[dragnldy]

CAs are better through the mail.  OCs can be pretty decent to work with by phone.  Give it a try.  If it doesn't work, then you can post them.

[iltph]

I called BoA and two of the accounts are duplicates that are also showing up on my CR as being owned by CAs. I know I need to dispute the two that are being reported by BoA. Should I just submit the request online and select "Account transfer to another lender"? There isn't anyway to add additional info with TU, but I'd like to tell them that they can verify this by matching the same dollar amount and CC account # that are showing up with the baddie being reported by the CA.

Also, I just noticed that one is showing the DOFD is October 01 and the other December 01. Any chance I could request that these be deleted with TU and EX since they are reporting inaccurate information?

Message Edited by iltph on 03-13-2008 05:07 PM

[Anonymous]

Ok, let me get this straight.

You have BoA showing 3 times.

You believed only one was yours.

You called them.

Now you know these are all yours.

The two you believed weren't yours, but are, and are being reported by BoA and a CA?

The two that you have learned are yous are reporting the wrong DOFD?

Is that all accurate?

If yes........a OC and a CA can both report the same debt. Two CA's can not report the same debt.

If DOFD is wrong and you can prove that......dispute with CRA on basis of FCRA Compliance Date.

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iltph wrote:
I called BoA and two of the accounts are duplicates that are also showing up on my CR as being owned by CAs. I know I need to dispute the two that are being reported by BoA. Should I just submit the request online and select "Account transfer to another lender"? There isn't anyway to add additional info with TU, but I'd like to tell them that they can verify this by matching the same dollar amount and CC account # that are showing up with the baddie being reported by the CA.

Also, I just noticed that one is showing the DOFD is October 01 and the other December 01. Any chance I could request that these be deleted with TU and EX since they are reporting inaccurate information?

Message Edited by iltph on 03-13-2008 05:07 PM

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[ngerasimatos]

I got winded  reading all that, ;-)

[iltph]

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@Anonymous wrote:

Ok, let me get this straight.

You have BoA showing 3 times.

You believed only one was yours.

You called them.

Now you know these are all yours.

The two you believed weren't yours, but are, and are being reported by BoA and a CA?

The two that you have learned are yous are reporting the wrong DOFD?

Is that all accurate?

Yes, you are correct on all accounts. The two accounts were originally with MBNA, but BoA acquired them somehow. They told me that three different CAs own them now, one isn't even showing up on any of my CRs. "Hilco Receivables"

@I don't really have any proof about the different DOFDs, except to tell them to look at the CC number (entire #) that is listed on both entries. Would that be sufficient info for them to entirely delete both entires? This one's a whopper @ $5,500 and will at the very latest fall off at the end of the year.