Paid the debt - AA refuses to change credit report

This company is the single worst I have ever encountered. After over two years of fighting with them, having paid them in full, they still have not taken their bad report off of my credit report. They are nasty on the phone when attempting to explain the situation. They sent a letter to me which I, in turn, sent to the credit reporting agency. They must have known that the credit agency wouldn't acceot the letter from me, because it didn't change a thing. They are required to send a letter to the court asking for the dismissal of the erroneous report, yet, two years laters, I'm still showing them as a bade debt. I'm sick of these lying, parasites. I'm calling an attorney and reporting them as acting in bad faith. I'm going to ask that they be forced to pay my attorney fees.

Comments (2)

1. Written by tj, on 18-09-2008 17:18 In order to have standing to sue a reporter of erroneous information on your credit report, you must first send a dispute to the credit reporting agency (i.e. TU, Equifax, Experian).   They then forward that to the company that reported it, who must either correct what they are reporting, or remove it. (If they fail to reply to the dispute, it must be removed.)  If the error is falsely "verified", you can then sue the company reporting the false information, under FCRA.  The credit reporting agencies routinely ignore letters from consumers, regardless of the law, so you force the issue as above.   It's false, you dispute, they verify, you sue. Report

2. Written by me, on 25-07-2008 11:45 Asset reports all account as paid 0 balance, as a rep i advise all consumers of this, It is a violation of FDCPA to say WE will remove the reporting because tis is not what we do. We do provide a paid in full letter that you can submit to credit bureaus Report

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