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information being added to credit report

breezy78
Frequent Contributor

information being added to credit report

Last week I received a notification from EQ and EX that an address was added to my report. It was an address that my grandparents lived at when i was in high (I graduated in 1996). I called both bureaus and was told that First Premier Bank added the address. Im not sure why they would add this address as Ive never lived there.

 

Im concerned that they would add the information again. Background info...i have filed a complaint against with the CFPB and it was investigated by the Federal Reserve. Since then, they have updated my account every month as being charged off. The accounts will fall off in 3/21 and 6/21. Im not paying them because my account was current and I was paying the balance. They decided to close my account after I filed a complaint (before the CFPB one) about their business practices.

 

Is there anything I could do to prevent them from adding inaccurate information on my report? Its a hassle to call the credit bureau.

 

thank you in advance

Started in mid 500 3/16
Current 4/10 EQ 618 TU 628 EX 612
Message 1 of 3
2 REPLIES 2
Birdman7
Super Contributor

Re: information being added to credit report

Maybe a letter of intent to sue warning them if they continue to harass you or insert inaccurate information, you will seek judicial remedy?
-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 2 of 3
Birdman7
Super Contributor

Re: information being added to credit report

Maybe a letter of intent to sue for their chilling of your first amendment right to petition the government for redress, which is what you did when you filed a complaint with the governmental entities and the chilling being their harassment of you by these actions?

Just my humble opinion, consult legal counsel in your jurisdiction.
-Community’s scoring wisdom: Scoring Primer.
-Revised: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.





(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 3 of 3
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