I have shown proof that a bill has been paid, credit bureau refuses to update,?
Answer:
You need to understand how the "game" is played..you need to know the law.
First understand that the credit reporting agency does not remove the listing. They can't! The only way a report can be changed/removed is if the creditor does it, or if they fail to respond to a dispute request.
So in your case, what MAY have happened is the CRA contacted the creditor, and the creditor simply confirmed the report is correct. End of investigation.the negative item stays.
Also note that if this report involved a collection, simply paying the bill off does not remove it as a negative item. It will be changed to "paid" but will still reflect it was in collections.
But if you follow these instructions, you will get the item removed from your history, or you will have a very good small claims suit against the creditor, and can win $1000.
Send all letters by certified mail/return receipt. You MUST have evidence that you notified these people, or your court case will go nowhere.
Send a letter to the credit reporting agency disputing this. Send copy of the check and explain all of the details of why you feel the item should be deleted. I know you did this.do you still have copies of their response letter back to you?
Send a letter to the creditor/collection agent who listed this on your report(s). Demand that they "validate" the debt (see the sample letter below). They have 30 days to respond to your request. Validate means they must send you copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe.
If they respond with this information, examine it carefully. This is what they will use in court to defend themselves if you sue them. If you think you still have a good case, then file a small claims suit. Your canceled check is excellent evidence if they can't dispute it.
If they don't respond, then send one last letter to the credit reporting agency and demand that they delete the entry due to "lack of validation". If they still refuse to delete it, then add them to your lawsuit.
Read the links below. If you still are confused contact me.
write a letter everday to them until it is fixed. It works
iirc, the company who registered the complaint against you has to file it.
Send everything in writing, certified mail. explain to them you are giving them notice of an error in their file on you and that failure to correct that error will be a violation of the federal credit reporting act and that you WILL be examing all of your options, including the court system if they continue to not correct the problem.
the FCRA includes attorneys fees, so no worries there!
Actually the best way to deal with this issue is to find out the dispute process for the credit reporting agency. If you subscripe to a credit monitoring service, you can usually dispute it online. If not, you will have to send it certified return receipt requested to each of the three major reporting agencines (Experian, Equifax and Transuunion.) By law after receipt they have thirty days to prove that it is valid. They will contact the creditor to find out the status of the debt. If the thirty days passes without acknowledgement from the creditor, they will need to remove the entry. Also, during the dispute process, the debt will show that a dispute has been initiated by you. However, if the creditior shows after the 30 days that the debt is still valid. It will return on your credit file.
You can contest it online or via the postal service, but do it ATLEAST weekly.
Also, the creditor should be reporting it to, so write a duplicate letter to them each time.
for credit agencies copy of your canceled check is not enough .
you need to get the letter from your creditor stated, that your bill was paid or you can dispute this account with credit bureau and let them prove ,that you did not pay.
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