ReactorCore
Victoria,#2Consumer Suggestion
Wed, July 22, 2009
The U.S. has what's known as the Fair Debt Collection Act (FDCA), as you obviously know. Part of that act, if I recall, deals with errors on the part of the collector in which they MUST remove any false or erroneous information on your credit report. There are numerous online resources to assist you in making the creditor or credit agency responsible for a false entry on your credit report adjust or nullify the false information and in a lot of cases, with step by step instructions, all at no cost to you. be sure not to get roped into *another* rip off that promises a miracle fix for credit, btw... :D I also recommend heading over to YouTube and search for a channel called "War on Debt", they also have great tips and strategies for getting this kind of screw up sorted out. I'd link you, but I don't think it's allowed.... On a personal level, if this were me, now that I know the source of the alleged negative credit (major petroleum company), I'd start with them to see where this stemmed from. It's pretty obvious that you're dealing with a bunch of hard noses who don't care if they're right or wrong because they're holding your credit hostage and feel invunerable to any kind of retribution. As for the "false claims", you seem to know a bit about the FDCA, so make it your best pal... as long as you're secure that what you're saying is the total and absolute truth *to the best of your knowledge*, the credit reporting company can't do jack... They're just so used to intimidating people that they seem to have forgotten that there's a limit to what they can do and to whom they can do it. Good luck!