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I disputed the payment history for this account with TransUnion and TransUnion verified the information as correct. So I mailed out a letter certified mail to Beneficial requesting them to investigate the payment history that they reported to TransUnion because the information did not match my other credit reports. I also told them to mail me a copy of their results. I received a letter from Beneficial stating that the payment history was correct and that they could not comply with my request, and did not give me anything that shows what kind of records they have. They also notified me that if I believed the information was incorrect that I could dispute it with the credit bureaus. Any suggestions???
What is beneficial? insurance? I would contact you Attorney General and complain that that Beneficial won't provide any records supporting the account they are trying to collect.
remove wrong listing from credit report
Hi jrio,
You can try the dispute both with the company and the credit bureaus for a second time. However, if they don't comply, you can sue them for violating Fair Credit Reporting Act. For that, you need to be sure that you really don't owe the debt, and what they are reporting is incorrect.
You can consult a lawyer to help you in this case.
Hope this helps.
I would file a complaint first. What kind company is Beneficial?