Melanie
Arlington,#2Consumer Suggestion
Tue, May 18, 2004
Please send each credit reporting agency a certified letter (w/ return receipt requested) stating the the charges on the account were incorrect and removed by the company on such and such date. In your letter, please include a copy of the bill with the erroneous charges and the bill with the charges removed. Each reporting agency will have to remove the negative comment for one of two reasons: (1) It is against the Fair Credit Reporting Act for a creditor to post negative comments on a consumer's credit report while the billing statement is in active dispute and (2) the company has since reverse their erroneous charges and you have a new statement to prove it. Good luck!!!