- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
It's been kind of sticking under my craw lately about the bank that continues to illegally re-age a charged off account from over 20 years ago on my EX report. As I'm sure you all know, under the law, this account should have been off my reports well before 9/11.
In looking at my Credit Secure, I saw how they reported activity in September 2008 - you see an "OK" on that month only, nothing before, nothing since. I obviously did absolutely nothing to the account, and have had no contact with them, so it's pretty obvious they are illegally re-aging it. For what purpose, who knows, that's another issue, and honestly I don't care, my point is, despite that and whatever you may feel about the charge off, they are breaking the law. And since I disputed and they "verified", they can't claim it was only a mistake, it's deliberate.
So I have filed a complaint with the new CFPB, in hopes they can convince these criminals (which they are, that's what people who break the law are) to see the light. If not, I'd really love to find a NACA attorney. Most of them seem not too interested in things like this, but I'm reaching the point I'd drop a couple of grand on a retainer. I don't want this thing still on my report 20 years from now and judging by their actions so far, that is not a stretch.
I have attached a screenshot of the relevant data from CreditSecure showing how they did it, please reference the image for details.
Again, my point isn't to argue the moral issue of the charge off, but the fact this company is openly violating the law (and like most of arrogant corporate America, they fully expect to get away with it obviously) - that is a moral issue this is a legal issue. And on the legal issue, they are wrong. That isn't in dispute, what is in question here is will they get away with it.....they obviously believe they will.