- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I went through the same thing. I had some creditor who kept illegally re-aging a charged off account. They managed to keep it alive for 20 years before I finally had enough of it and resolved to get it off my reports one way or another. Ironically they were not reporting it as a collections account so it actually helped my AAoA but I simply did not like the fact that they apparently intended to re-age it forever.
I had tried contacting the bureaus but of course, they always responded with the lame boilerplate excuse that the creditor had confirmed it was 'valid' (and obviously a creditor's word is the very word of God to the bureaus) so it stayed. I contacted the FTC but that got me exactly nothing which is what I expected. So I then contacted the CFPB who investigated, and somehow, all of a sudden the creditor found that in fact it shouldn't be there and it disappeared. Amazing how quickly the truth comes out when the lying scumbags fear they'll be discovered.
So I would suggest filing a complaint with the CFPB. You can do it online. I had great results and got rid of that illegally re-aged account that way.