I have a reposession that was charged off in June 2022 and for some reason, recently it has been marked as open and then closed several times over the past few months. I'm doing a little research but havn't found anything definitively related to this. I'm sure this is a FCRA violation of some sort.
Has anyone successfully been able to dispute this?
Is the creditor allowed to do this?
It reported open and then back closed before I thought to look annualcrediteport. I have several credit monitoring sites that gave me the updates (Wallet Hub, Credit karma, Smart Credit). I know these aren't the ideal sites but one thing they are good for are updates.
Let's say I did pull annualcreditreport and it shows as "open" wouldn't that be a violation of some sort?
Is there still a a balance? Did you settle it yet? If it isnt $0 balance. Its still open and updating. Just the account is closed.