after bk i need some serious HELP!!!!!!!

[ladybug7788]

hi everyone

im a newbie i've been trying to work on my credit since 2/2008 and i have had some success,but this one co. called elan financial services there driving me crazy.i filed bk in 1/2007 and discharged in 5/2007---well during the time i filed i had a credit card with my bank and then they sold it to this company so they are reporting it like i got it from them.this is what they put on the 3 cra and of course i disputed,and it came back as remains.


date opened-1/2007
last reported date-9/2007

they show the credit limit and the high balance

account history-30 days late as of 2/2007
debt included in bk on 9/2007
limit high bal history-there saying between feb /2007 and may 2007 my balance was 10,000
also at the top they put status-chapter 7/account charge off

my problem is i never,ever had a account with them they bought my banks credit card portfolio at the time when i filed.and my bank new.

PLEASE WHAT CAN I DO --
do i dv if so what can i write to them

THANXS

[Flamingo]

You need to contact Elan Financial Services directly. Call them and obtain a correspondence address. Send them a certified letter enclosing copies of your response letters from the CRAs, a copy of your discharge and a copy of the creditor matrix showing the account they purchased as being part of your discharge. Advise them that this account is being reported incorrectly with all three agencies and you would like it updated and corrected. At this point there is no need to get nasty as this is your first contact with them. Usually they will contact you and advise you they will correct the account. Give them a while to do that and then obtain copies of your reports again to see if the updates have taken place. Save copies of all you send out. If you do not hear back from them and no changes take place on your reports, repeat the process by sending the same letter to the President of the Company, via certified mail, with all copies attached. The CRA's will not budge if you bombard them with dispute letters - they will get back to you telling you your dispute is frivilous since the creditor is reporting correctly. Be a bit patient with updating your credit reports - it does take a while. We are still fighting some things almost two years after discharge that we had corrected but for some reason after a year changed back to wrong information.

[ladybug7788]

i called elan financial today and there phone is disconnected
so 'ill try to write to them i hope they are still there,but my question is if there addy is not correct or there # is disconnected then how did the 3 cra verify.i called transunion today and i asked them if this was the same addy and # they have and they said yes.so i told her how did you verify?she kept tripping over her words and told me i will dispute this for you as not mine.
so lets see how this comes out.