Q: How to resolve incorrect debt reporting affecting credit?
I settled a debt with a credit card company, and they agreed to charge it off. The last payment was made on April 27, 2022, and I have a canceled check showing it was deposited on April 28, 2022. However, this amount is still showing as past due on my credit report and is accruing interest. I've disputed this with Experian but the issue remains unresolved. I've repeatedly contacted the credit card company's legal team without a response. Additionally, my legal representation was canceled in September 2024, as the debt was supposed to be resolved. What can I do to rectify this and hold them responsible for the error and its impact on my credit rating?
A: Contact a consumer protection attorney familiar with both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for a consultation. Keep records of all of your disputes, as well as the proof that the debt has been paid. Let me know if you have any questions.
Justia Ask A Lawyer is a forum for consumers to get free answers to basic legal questions. Any information sent through Justia Ask A Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between Justia and you, or between any attorney who receives your information or responds to your questions and you, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask A Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises, or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
