Ugghhh....
so I have been disputing my AmeriCredit account info for a long time because the balance is incorrect. It keeps being “Verified”. Well today I finally just found a letter from them after they sold the car at auction, that says my “total deficiency owed is $6,625.” Its reporting on my credit as $13,752 charged off.
So here is my question: because they have failed to correct or verify the information now on numerous occasions (including the CRA’s) is this now terms for me to request it be deleted and send along a copy of the letter? Could I basically draft a letter that says:
To Whom It May Concern:
I have requested you verify this information on numerous occasions due to its inaccurate reporting. You have failed to grant my request as protected in my rights outlined by the FCRA and the FDCPA.
Please remove this devastating account immediately to avoid any further damaging affects to my credit.
Thank you
Would something like this work? Or can I only request that they correct the balance amount?
Thanks for all help thus far and in the future!!!
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