First, dispute the billing under the Fair Credit Billing Act (FCBA).
If you wish to pursue their inaccurate reporting, you can either send a direct dispute to them or dispute through the CRA.
Asserting a legal violations of the FCRA requires a showing that their reporting was either knowlingly inaccurate or resulted from negligence on their part. A simple violation does not give cause for damages.
Yeah I have proof they reported false payments. They actually reported the charge off sale proceeds as a payment which extended the SOL by 8 months and now this company is coming at me hard. But I was told that couldn't be used against me because I never made a payment.
It wasn't the collection company im sorry it was HSBC they reported twice that I paid when I didn't and I have the staments to prove it.
First, dispute the billing under the Fair Credit Billing Act (FCBA).
If you wish to pursue their inaccurate reporting, you can either send a direct dispute to them or dispute through the CRA.
Asserting a legal violations of the FCRA requires a showing that their reporting was either knowlingly inaccurate or resulted from negligence on their part. A simple violation does not give cause for damages.
Thank you
Yeah I have proof they reported false payments. They actually reported the charge off sale proceeds as a payment which extended the SOL by 8 months and now this company is coming at me hard. But I was told that couldn't be used against me because I never made a payment.