Disputed and asked for verification

[tbenz6876]

I disputed 4 items on my credit report that were charged off recently which I had no idea was happening. I disputed and asked the Big 3 to verify and within a couple days they closed the disputed saying it was verfiied. However when I called them up they said they would not redispute because it was verified. Where can I go from here?

[SouthJamaica]

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@tbenz6876 wrote:

I disputed 4 items on my credit report that were charged off recently which I had no idea was happening. I disputed and asked the Big 3 to verify and within a couple days they closed the disputed saying it was verfiied. However when I called them up they said they would not redispute because it was verified. Where can I go from here?

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The only place to go is to file a complaint with the CFPB.

[tbenz6876]

OK I will go to teh Consumer Financial Protection Bearu and file a complaint.

[Horseshoez]

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@tbenz6876 wrote:

I disputed 4 items on my credit report that were charged off recently which I had no idea was happening. I disputed and asked the Big 3 to verify and within a couple days they closed the disputed saying it was verfiied. However when I called them up they said they would not redispute because it was verified. Where can I go from here?

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Are the accounts delinquent and genuinely charged off?  If so disputing won't help.

[tbenz6876]

Yes they are charged off. I dont apply for credit very often but when I went to buy a new car I was declined and I talked to the underwriter and she said there were 4 account recently charged off. This is when I started looking into my credit because I had a fraud alert from 2016 on htere but going by the reporting agencies it was only on there for 7 years.

[Remedios]

Are those your accounts? I'm having hard time following 

Are you saying someone opened accounts in your name and you didn't know or that those are your accounts, they were charged off but should have fallen off your report by now? 

[tbenz6876]

They are not my accounts. They were just charged off in Feb 2024.

[Horseshoez]

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@tbenz6876 wrote:

They are not my accounts. They were just charged off in Feb 2024.

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If they were ever your accounts, then even if they are charged off, they are still your accounts.

[tbenz6876]

Nope were never my accounts.

[Horseshoez]

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@tbenz6876 wrote:

Nope were never my accounts.

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Then I would contact each original creditor and start a fraud protocol with them.