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Information belongs to someone else. I disputed a charged-off tradeline on my Experian report from Celtic Bank/Continental Finance XXXX account XXXX XXXX, charged off XX/XX/XXXX for {$870.00}, now sold ). Problems with this reporting : No verification : The account was sold, so Celtic Bank is no longer handling it. If they can not provide full records, the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ) requires deletion. Possible errors : The amount ( {$870.00} ) and the Date of First Delinquency appear incorrect based on my records. An incorrect DoFD impacts how long this account stays on file ( 15 U.S.C. 1681c ). No documentation : Under UCC 3-501 and 9-210, I requested an original contract and full accounting. None has been provided. Duplicate harm : This account is already in collection