chrish3985
Junior Member
What is the name of your state (only U.S. law)? Alabama
My bank of America card is used very rarely. It was used for a small, insignificant purchase, about $5 a month back. To be honest, I had forgotten about it (mistake). I have a credit monitoring service who notified me of potential bad reports on my credit from Experian from BOA. I contacted BOA right away. Paid them the money, now $8 by electronic transfer, and asked that the bad report be removed. They refused. I must have really p---ed them off. The next day they also reported the delinquent payment to Equifax, and Transunion. I requested a dispute of the information with all 3 credit reporting agencies. I have only heard back from Experian. The bad report remains. Then the strangest thing happens. My other credit card “Discover” contacts me to report a $700 purchase made online by someone other than myself. They caught it, and did not charge me. Freezing the account. Issuing a new card. Good people to deal with. The time frame is a little more than suspicious. This has never happened to me before.
In order to pay any bill the customer must know, 1.There is a bill 2.The amount to be paid.3.An address to send the money to. I never received a bill from BOA. No phone call. No email. Nothing. I receive bills all the time at this address. I pay my bills on time. But this one I never received. Apparently banks are more believable than customers In the credit report world.
Is there anything I can do further to clear this one bad blemish now on my credit report? Who can help me? How can I proceed?
Thank you for your thoughtful consideration with this.
My bank of America card is used very rarely. It was used for a small, insignificant purchase, about $5 a month back. To be honest, I had forgotten about it (mistake). I have a credit monitoring service who notified me of potential bad reports on my credit from Experian from BOA. I contacted BOA right away. Paid them the money, now $8 by electronic transfer, and asked that the bad report be removed. They refused. I must have really p---ed them off. The next day they also reported the delinquent payment to Equifax, and Transunion. I requested a dispute of the information with all 3 credit reporting agencies. I have only heard back from Experian. The bad report remains. Then the strangest thing happens. My other credit card “Discover” contacts me to report a $700 purchase made online by someone other than myself. They caught it, and did not charge me. Freezing the account. Issuing a new card. Good people to deal with. The time frame is a little more than suspicious. This has never happened to me before.
In order to pay any bill the customer must know, 1.There is a bill 2.The amount to be paid.3.An address to send the money to. I never received a bill from BOA. No phone call. No email. Nothing. I receive bills all the time at this address. I pay my bills on time. But this one I never received. Apparently banks are more believable than customers In the credit report world.
Is there anything I can do further to clear this one bad blemish now on my credit report? Who can help me? How can I proceed?
Thank you for your thoughtful consideration with this.
