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In reply to the discussion: I have an ongoing dispute with Bank of America - Update in reply #57, and it's good news. [View all]slackmaster
(60,567 posts)57. UPDATE on my dispute with BofA, 6/5/2012 - Equifax has removed all derogatory information
The disputed account still appears on Equifax as a closed joint account (which is still incorrect) but with no dollar amounts and no derogatory language - Nothing about a charge-off, bad debt, etc. Just closed and no money owed.
Two down, one to go. I sent a written request to TransUnion to re-investigate the matter on May 19.
It's nice to have a little good news once in a while. I deserve it.
BTW, here's a link to an article that MSNBC did regarding credit report disputes back in 2009. It's somewhat out of date, but does give a good idea of the crap I've been dealing with and how far out of level the playing field remains for consumers.
http://redtape.msnbc.msn.com/_news/2009/04/28/6345763-how-to-complain-about-credit-report-errors
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I have an ongoing dispute with Bank of America - Update in reply #57, and it's good news. [View all]
slackmaster
May 2012
OP
At the risk of opening a fifth front, might I suggest filing a lawsuit
coalition_unwilling
May 2012
#2
I might be able to find one, but my provable actual damage is in the $10K - $20K range
slackmaster
May 2012
#31
I know they like cases that have the potential to make a lot of money, so yes, you probably
sabrina 1
May 2012
#32
I really don't care about getting a monetary settlement from Bank of America. I only want one thing:
slackmaster
May 2012
#33
I'm already at that stage. I have a written admission from BofA that they can't produce a copy...
slackmaster
May 2012
#53
Maybe. All I know for sure is that I never signed an application for joint revolving credit
slackmaster
May 2012
#6
BofA claims it was opened while we were married, but they can't prove it because they don't have...
slackmaster
May 2012
#28
Does your wife say it was was opened after you were married? Did she open it under your last name?
freshwest
May 2012
#36
They wrote it off and sold the account to a collector on Feb.1. I called the collector.
slackmaster
May 2012
#37
Then it is simply on the credit record? Is your wife paying as agreed in the bankruptcy?
freshwest
May 2012
#40
If she isn't paying, and the card was in your name (married or not) you're kind of stuck.
freshwest
May 2012
#43
The account is "in my name" on BofA's electronic records only, and those cannot be verified
slackmaster
May 2012
#55
They bought out the bank that held my 6% fixed rate card and without my knowledge raised
appleannie1
May 2012
#7
I have no evidence that my ex did it. Because BofA can't find the credit agreement, it's not...
slackmaster
May 2012
#20
The account wasn't even opened at BofA. It's been through at least TWO system conversions.
slackmaster
May 2012
#56
That's exactly what I'm doing. The process is slow and tedious. The Fair Credit Reporting Act...
slackmaster
May 2012
#24
Federal Trade Commission --- that's where I believe your complaint should be filed.
jerseyjack
May 2012
#18
Already done. Also the California AG because BofA failed to comply with a section of our Civil Code
slackmaster
May 2012
#25
glad to help with a kick. FUCK THE CRIMINAL GANG THAT CALLS ITSELF BANK OF AMERICA!
HiPointDem
May 2012
#23
Washed my hands of the criminal enterprise years ago. Local credit union is the way to go.
geckosfeet
May 2012
#50
My first encounter with BofA was in 1976. I walked into a branch to cash a personal check...
slackmaster
May 2012
#54
I have never intentionally opened any kind of account at BofA. They already had a bad reputation...
slackmaster
May 2012
#52
UPDATE on my dispute with BofA, 6/5/2012 - Equifax has removed all derogatory information
slackmaster
Jun 2012
#57