incorrect entry on 18 year olds credit report

[catfiero]

What is the name of your state (only U.S. law)? OR
My 18 year son applied for a bank card and was sent a denial based on delinquent accounts. When he looked at the file it said that he had a qwest bill that was opened in 1/10. He does not nor ever has had an account with Qwest. He disputed it and the response came back that it was updated and would be removed in 2012. That leads me to believe that the bill is from the year 2005 (7 years) at which time he was 13. He disputed it again and we are awaiting the outcome. The bill is 160.00. He is in college and does have, just since sept, some student loans that are in the deferment period. It appears that this incorrect entry is really hurting his brand new credit file. Should we just pay it or will it then look like it was his? and if we did would it come completely off? any advice would be appreciated.What is the name of your state (only U.S. law)?

 

[davew128]

What happened when you contacted Qwest? As for paying it, why? It's clearly faulty. Paying it will not remove it. Contact Qwest explaining the faulty reporting and continue to dispute with whichever CRA is showing it.

 

[bigun]

All communication with Qwest needs to be in writing. Prehaps send a copy of his dl with the DOB circled.
A paper trail is important. If after a few rounds of letters and no results contact a lawyer that handles FCRA cases.{ Fair Credit Reporting Act}.

 

[cosine]

You can communicate verbally. They may choose not to do so. They may not cooperate, or maybe they will. But communication in writing, at least to get anything thay agree to, is best since that gives you a record of what they say.

It sounds like an account mix up. This is a common occurrence with people of the same name. If they refuse to work to clean it up, sue them. A court can order it cleaned up when the clear evidence is provided.

 

[justalayman]

It sounds like an account mix up. This is a common occurrence with people of the same name. .

or somebody fraudulently used the kids info to obtain the account.

Not accusing the op here.

I have known several parents that have done exactly that. It would be just as easy for a sibling or other close relative to do it as well. The age does not mean it isn't his account.