I'm still working on my credit report. Several months ago I came across an electric bill for $86.00. I have been trying to find where to send payment for this and what a nightmare it has been.
I called the collection department and they say that the electric co took it back. I call the electric co and there is NO record of this bill. I called the the CB and they can tell me nothing.They have no record of it.
I made several calls which is quite frustrating as all I wanted to do was pay.
After throwing things and screaming, I talked to someone at the CB and he again told me there was no record, this was AllianceOne by the way.
I asked him what I should do now since no one seems to have a record of this debt but it is on my CR. He says,,,"I don't have a clue".
I went off at that point. Then I get a guy who I think was in India and couldn't speak very good English. He tells me that my address is not updated and I need to send utility bills, driver license, rent receipts and other items. I hung up on him.
So I finally get a number at customer service and got someone who has half a brain at the electric co. She checks things and tells me she's putting me on hold and not to go away. ?,,, Then I get disconnected. Called her back and she says that everytime she bumps her phone, it disconnects. Welllllll, don't bump you phone.
Get this,,,she tells me that that dept was paid in 2006. She can't explain how it got on my CR or why it is still there. So I ask her to call them and let them know this is a mistake and I want a letter of proof that it was paid. She tells me that it could take 2 months to get it removed.
Why in the world would it take that long?
Should I sent a dispute letter, I've heard that if you do that, they have one month to remove it or prove it is legit. I'm so sick of this nightmare that I just want to scream my head off.
On the dispute form they want a confirmation number or account number which I don't have and can't find a conf. number anywhere on the report.
I've read many times that a person should go through their report with a fine tooth comb, I can't tell you how important this is to do. I have several letters that state the items are paid, but why won't they update on the reports?
I am so frustrated.