Hi everyone! Really glad I found this forum. I'm hoping somebody has some advice for an issue I'm having with my credit report.
My debts were discharged under chapter 7 in Feb., 2004. I recently checked my equifax credit report and found two accounts (same creditor) listed under "Collections", both listing unpaid balances as of 10/2002.
I disputed these accounts and received a response to my dispute today. This is what the accounts have been changed to (they are still under "collections accounts"):
Allied Collection; Collection Reported 02/2008; Assigned 04/2002; Client - Henry County RA; Amount - $37 ; Status as of 02/2008 - In Bankruptcy; Balance as of 02/2008 - $0 ;
Individual Account; Account # - xxxxxxx; ADDITIONAL INFORMATION - Collection Account; Bankruptcy Chapter 7; Address: blah blah blah
Allied Collection; Collection Reported 02/2008; Assigned 08/2002; Client - Henry County RA; Amount - $388 ; Status as of 02/2008 - Unpaid; Balance as of 02/2008 - $0 ; Individual
Account; Account # - xxxxxxx; ADDITIONAL INFORMATION - Collection Account; Address: blah blah blah
The dates have been changed to 2/2008 (when i made the dispute), making them look like new collections accounts. The bankruptcies and balance as of dates are all listed as 2/2008. And the second, although the balance was changed to $0, is still being listed as unpaid and not "in bankruptcy" as they changed the other to.
Am I wrong in thinking this is completely unacceptable? I don't get how they screwed up so badly. And the one still listed as unpaid - they said they "verified" that it was correctly reported. Well, maybe if it WAS a 2008 collections account as they're now listing it as, but it is a 2002 collections account...2 years prior to my chapter 7 discharge. The equifax report I pulled right before disputing has the balance and status dates of the two accounts listed as 10/2002 and 7/2002.
I'm so frustrated. I don't even know where to start. I made the mistake of disputing online (which I see from the little bit I've read here on the forums was a mistake). Do I just dispute it again? And are there any links someone can give me to a sample dispute letter or advice on specifically what to include in it?
Thanks for any help you can give.
My debts were discharged under chapter 7 in Feb., 2004. I recently checked my equifax credit report and found two accounts (same creditor) listed under "Collections", both listing unpaid balances as of 10/2002.
I disputed these accounts and received a response to my dispute today. This is what the accounts have been changed to (they are still under "collections accounts"):
Allied Collection; Collection Reported 02/2008; Assigned 04/2002; Client - Henry County RA; Amount - $37 ; Status as of 02/2008 - In Bankruptcy; Balance as of 02/2008 - $0 ;
Individual Account; Account # - xxxxxxx; ADDITIONAL INFORMATION - Collection Account; Bankruptcy Chapter 7; Address: blah blah blah
Allied Collection; Collection Reported 02/2008; Assigned 08/2002; Client - Henry County RA; Amount - $388 ; Status as of 02/2008 - Unpaid; Balance as of 02/2008 - $0 ; Individual
Account; Account # - xxxxxxx; ADDITIONAL INFORMATION - Collection Account; Address: blah blah blah
The dates have been changed to 2/2008 (when i made the dispute), making them look like new collections accounts. The bankruptcies and balance as of dates are all listed as 2/2008. And the second, although the balance was changed to $0, is still being listed as unpaid and not "in bankruptcy" as they changed the other to.
Am I wrong in thinking this is completely unacceptable? I don't get how they screwed up so badly. And the one still listed as unpaid - they said they "verified" that it was correctly reported. Well, maybe if it WAS a 2008 collections account as they're now listing it as, but it is a 2002 collections account...2 years prior to my chapter 7 discharge. The equifax report I pulled right before disputing has the balance and status dates of the two accounts listed as 10/2002 and 7/2002.
I'm so frustrated. I don't even know where to start. I made the mistake of disputing online (which I see from the little bit I've read here on the forums was a mistake). Do I just dispute it again? And are there any links someone can give me to a sample dispute letter or advice on specifically what to include in it?
Thanks for any help you can give.
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