CA has wrong name om my Credit Report
Date: Tue, 01/13/2009 - 20:18
first thing--if the debt went delinquent in 2001, it shouldnt be on your credit report anymore in the first place. That is re-aging, and it is very illegal.
second, the FCRA is the federal law that governs credit reporting. in short, they are required to report as accurately as they can. if they are leaving out information, then you can challenge it through the credit bureaus because of missing or wrong information. Before you do that, though, I would send a certified letter to the debt collector who put this on your report ASAP. Make this a debt validation request, and inform them that you already requested validation once--and this is their last opportunity to follow federal law or face legal action for their continued willful violation of said federal law. THEN, after you get the green USPS card back showing that the CA got your letter, then is the time to dispute with the credit bureaus.
Third, you should see if you can contact anyone about that company. The important thing here is this--if you were only an authorized user, then you are in no way responsible for paying the balance, period. This is where the validation comes into play as they must prove their claim against you. whatever you do, dont pay them a cent, I dont care what they threaten you with. if you know without doubt that you did not ever sign anything taking responsibility for the debt, then dont pay them one red nickel.
Finally, what state do you live in? It's possible, even likely, that the statute of limitations is expired on this debt. And, as I am noticing just now, this was a corporate account, is that correct? If so, then the FDCPA informaton does not apply here, because it only applies to consumer debts. however, the FCRA still applies when it comes to your credit report, and the statute of limitations still applies as well, so you still would have plenty to get them to go away with.
second, the FCRA is the federal law that governs credit reporting. in short, they are required to report as accurately as they can. if they are leaving out information, then you can challenge it through the credit bureaus because of missing or wrong information. Before you do that, though, I would send a certified letter to the debt collector who put this on your report ASAP. Make this a debt validation request, and inform them that you already requested validation once--and this is their last opportunity to follow federal law or face legal action for their continued willful violation of said federal law. THEN, after you get the green USPS card back showing that the CA got your letter, then is the time to dispute with the credit bureaus.
Third, you should see if you can contact anyone about that company. The important thing here is this--if you were only an authorized user, then you are in no way responsible for paying the balance, period. This is where the validation comes into play as they must prove their claim against you. whatever you do, dont pay them a cent, I dont care what they threaten you with. if you know without doubt that you did not ever sign anything taking responsibility for the debt, then dont pay them one red nickel.
Finally, what state do you live in? It's possible, even likely, that the statute of limitations is expired on this debt. And, as I am noticing just now, this was a corporate account, is that correct? If so, then the FDCPA informaton does not apply here, because it only applies to consumer debts. however, the FCRA still applies when it comes to your credit report, and the statute of limitations still applies as well, so you still would have plenty to get them to go away with.
It was not a corporate credit card. The owner just added me so I
It was not a corporate credit card. The owner just added me so I could have a card too. Oh, I live in Ca. The SOL is 4 years here. I never made a payment or did I ever recieve a bill from the credit card company. But Experian has said that this item will remain on my report until 2011 also Experian on my credit report has an open date of 12/08 why? Thanks