In 2006 my car was repo'd and sold at a car auction. I refi'd my home to pay the deficient amount. when speaking with the collection company, they offered me a settlement and promised to remove the item from my cr. Here;s the problem...they removed their entry, but the original creditor bmw financia l did not removed their entry. I didn't however get any of this in writing. I collector keep promising to send the letter but never did. I am currently in a heated battle with the original creditor because they contracted with this dishonest company to collect the debt. I feel that they are ultimately responsible for their actions.
To make matters worst, the original creditor has been reporting the trade account incorectly for the past 2 years. It's listed as a bad debt collection with a balance of 37,000+ dollars. Appearing as if I never paid them. I paid in may 2006 and they a recording a date of major delinq of 9/2007. This is almost a 1 1/2 after payment was rendered.
What can I do about this? They are rude and refuse to work with me. I really need to get this items off my report. I have already filed a compliant with the FTC, and State Attorney General.
Help!
