Complaint Review: Cross Country Bank

Account paid in agreed upon settlement after 6 months of harrassing phone calls to home and job. Threatened me and my 14yr old son. Took new mortgage out on house and Cross Country was paid in December 2000.

On Experian credit report they list themselves as being a collection account and credit high balance of 1400 in 2002. They list last activity unknown. Balance 0. Date Paid Unknown. Sometimes it will say Consumer paid for less than full balance. Charge Off 5800.

How can there be a charge off of total amount they charged and a payoff of 3500 that they report as unknown. The credit limit on acct was 3500. The additional 2000 are fees they charged to a closed acct.

I disputed 2 times with Experian Credit Bureau but they say info is correct. Now I have reported Experian with FTC and CCB. These people were paid almost 3 years ago.

Now a report was pulled by a bank for a mortgage I need and it says CCB reports date of last activity March 2003. Seems they only report incorrectly to Experian. So now I deal with a 620 score with Experian.

Patricia
CornwallonHudson, New York
U.S.A.