Originally posted by dspii
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In an attempt to get my credit reports corrected, I disputed several trade lines that were reporting incorrectly. All but one are reporting correctly $0 balances and IIB. Sears has my credit reports showing my account was a charged-off, thereby destroying my credit even worse than it was with a BK. I disputed this twice with the credit bureaus and it is still messed up.
So......the following is the letter I am sending to Sears, via certified mail. If they do not delete the account from the credit bureaus, I will enact my rights under FCRA § 623 (b) and file suit against them....I could use an extra $1000.
Before you ask, the information is NOT correct, I was current the day I filed and it was not charged-off.
I'll update the progress of this dispute.....
Sears/CBSD
PO Box 6241
Sioux Falls, SD 57117
October 24, 2010
Re: Request for Investigation
DSPII
XXXX Cool Street
Way Cool, OH XXXXX
Account Number – XXXX XXXX XXXX XXXX
To whom it may concern:
I have recently obtained my credit reports from Equifax, Experian and TransUnion. It shows the above account with your company was charged-off. I disputed this incorrect information two times with each credit bureau and each time the report came back as verified and investigated by you while it continues to be reported incorrectly.
I hereby invoke my right under FCRA § 623 (a)(8), to request the proof of your investigation that was supplied to the credit bureaus that the above referenced account information is accurate, complete and the account was charged off prior to August XX, 20XX, the date of filing Chapter 7 Bankruptcy.
Enclosed, please find a copy of the Meeting of the Creditors Notice that shows my Bankruptcy Filing Date and my Discharge Notice. Your debt was included and discharged in bankruptcy. This incorrect information you supplied to the credit bureaus is a violation of the FCRA and the Automatic Stay of Relief by reporting account events after the Automatic Stay of Relief was executed.
I hereby request that you please delete the account from Equifax, Experian and TransUnion credit bureaus. My account with Citibank/Sears was current and not in default the day I filed for bankruptcy.
Please provide me with the results of your investigation and delete the account from the credit bureaus as soon as possible. Your immediate attention to this matter is greatly appreciated.
Sincerely,
So......the following is the letter I am sending to Sears, via certified mail. If they do not delete the account from the credit bureaus, I will enact my rights under FCRA § 623 (b) and file suit against them....I could use an extra $1000.
Before you ask, the information is NOT correct, I was current the day I filed and it was not charged-off.
I'll update the progress of this dispute.....
Sears/CBSD
PO Box 6241
Sioux Falls, SD 57117
October 24, 2010
Re: Request for Investigation
DSPII
XXXX Cool Street
Way Cool, OH XXXXX
Account Number – XXXX XXXX XXXX XXXX
To whom it may concern:
I have recently obtained my credit reports from Equifax, Experian and TransUnion. It shows the above account with your company was charged-off. I disputed this incorrect information two times with each credit bureau and each time the report came back as verified and investigated by you while it continues to be reported incorrectly.
I hereby invoke my right under FCRA § 623 (a)(8), to request the proof of your investigation that was supplied to the credit bureaus that the above referenced account information is accurate, complete and the account was charged off prior to August XX, 20XX, the date of filing Chapter 7 Bankruptcy.
Enclosed, please find a copy of the Meeting of the Creditors Notice that shows my Bankruptcy Filing Date and my Discharge Notice. Your debt was included and discharged in bankruptcy. This incorrect information you supplied to the credit bureaus is a violation of the FCRA and the Automatic Stay of Relief by reporting account events after the Automatic Stay of Relief was executed.
I hereby request that you please delete the account from Equifax, Experian and TransUnion credit bureaus. My account with Citibank/Sears was current and not in default the day I filed for bankruptcy.
Please provide me with the results of your investigation and delete the account from the credit bureaus as soon as possible. Your immediate attention to this matter is greatly appreciated.
Sincerely,
