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I recently contacted Experian about a negative item on my report. We got into some issues back in 03/04 and are trying to get things cleaned up. I have an unpaid medical that went to collections. This bill is from 11/04. It is now in an attorney's office supposedly since last month. The scheduled date to fall off shows 2016. I contacted Exp to dispute the date as the debt is just under 6 years old and should not be reported past next year...? They claim that the info was verified and it will stand. How can this be?
I was wondering the same thing. my mortgage company was taken over by Bank of America and wilshire is still reporting that it is open??? dispute came back verified, hence this is not true. so I'm stumped on how they really get their info from and how accurate they really are. You would think they would have stricter rules on "accurate" info.... If you find out let me know.
you both need to contact the tradeline owner. You will send a 623 dispute letter to BofA and possibly a DV letter to the medical collection. Send these letters CMRRR. then com back and let me know what happened.