Getting Credit Report Mistake Corrected Through Legal Action

**Beth843** · 03-21-2007, 08:32 PM

My husband and I had a credit card account that we closed in October of 2005 and paid off in March of 2006. On the credit report it shows that the account has been closed and three months with the resulting zero balance after the pay off. In June of 2006 fees charges were applied to this closed account and fees and penalties are accruing. I have attempted to call the creditor, but they tell me they cannot help me, I have written to the creditor's legal counsel and sent it via federal express asking that this mistake be corrected and they have not responded. It's now been 60 days since that federal express letter. I have attempted to dispute the charge through the credit reporting agencies but the creditor tells them the charges are valid. I have been unable in the course of several months to get the credit to show me any documentation or paperwork stating exactly what these charges are.

How does one fix something like this?

**lwpat** · 03-22-2007, 05:47 AM

Usually you have to pay and then sue in small claims. The credit card company usually defaults and then you get a judgment which you can use to get the CRA's to take it off your account. I know this sounds like a lot of trouble and it is but this is the only way I have found that works.

**Beth843** · 03-22-2007, 09:42 AM

Thanks. When you sue them can you sue them for performance. What I mean is can I make them correct the credit report and cancel out the new charges? We don't want any money from them, we just want things corrected.