VERIZON WIRELESS RUINED MY CREDIT Philadelphia NATIONWIDE
I got my credit report the other day and discovered a delinquent account with Verizon Wireless had ruined my credit score. The interesting thing is, I've never even had an account with Verizon Wireless. The account in question was actually in my father's name. He had closed it two years ago at the end of his contract after a Verizon customer service rep told him that the balance would be wiped out because it had been billed in error. Oops. They must have forgotten to inform their collections department.
That balance now shows up on my credit report. Their incompetence nearly cost me a home loan. I called Verizon's customer "service" line repeatedly, only to be put on hold, transfered around, told they had no record of my account (no, really) and put on hold again. They still have not corrected the problem. I have resorted to writing angry letters and e-mails. I can't afford to waste my Cingular Wireless minutes on this faceless monopoly. Please, don't use Verizon Wireless. Their customer service record is only slightly better than that of the DMV.
Jack
Medford, New Jersey
U.S.A.
1 Updates & Rebuttals
Nicole
Jacksonville,Florida,
U.S.A.
Dispute it with the credit bureau
#2Consumer Suggestion
Mon, August 04, 2003
The easiest way this can be resolved is to dispute it directly with the credit bureau. You can use their dispute form which should have been included with your credit report, or you can type a letter stating exactly what the problem is, and that you never had an account with that company. When the credit bureau receives this letter, it will contact the company directly and ask for proof of the account. With no proof, the company, by law, has to remove it from your report. Disputes usually take no longer than 30 days. Its a lot less work on your part, and its a guarantee that it will be off of your report.
Good Luck!