Get incorrect info off my credit report?.

[HarryGP]

I’ve had a Fios chargeoff on my credit for a few years now. The issue was due to incorrect billing on your part while transitioning billing systems (and even confirmed by multiple agents over numerous calls) at the same time I was moving. The rep set up multiple accounts instead of moving service, and started the madness. I never had an outstanding balance, verified multiple times (explain how I STILL have Fios service if I had a chargeoff...). 

Despite over a dozen calls over the last two+ years, a BBB complaint (that was falsely reported as “resolved”), involvement from executive escalation team, and multiple assurances, the chargeoff is still showing on my credit report from some shady collection agency. 

Who can can resolve this? Everybody keeps saying they can’t do anything about it, and one escalation rep even said to “just pay the collections to make it go away.” I kid you not.

To summarize: I have a chargeoff on my credit report. It isn’t supposed to be there. Your reps confirmed there was no chargeoff balance and it shouldn’t be there. I’ve been a customer in good standing the entire time. You’re ruining my credit. 

Anyone??

[LawrenceC]

As this is a peer to peer support forum, you will need to contact Verizon directly for assistance. We have sent you a private message with contact information for a dedicated specialist who is able to help with a resolution of your issue.

[jonjones1]

You must call the credit bureaus directly and get a dispute on the item.

you must prove it so it can be either verified or not verified and removed. This is a time limit of 30 days but could be sooner. 

You could also send certified mail return receipt to all three disputing the report.

please note in some cases they don’t all have that collection agency on their reports.

google the phone and addresses 

good luck 

[HarryGP]

As expected, I got the runaround from the contact provided in private message. First, they couldn’t find the account. Then after multiple holds, she mysteriously was able to find it. Then the expected “we can’t do anything with it and won’t contact the party holding it even though it’s our mistake.” And yes, I was again told to pay/deal with the third party if I truly wanted it to go away. 

Basically, Verizon has admitted a mistake but states they can’t do anything about it and too bad for me. I requested an escalation callback and was assured I’d “hear from a supervisor” within 24 hours. Care to guess if I heard back? Hint: it’s been longer than that....

Time to check out the other three providers in the area. 

[HarryGP]

And yes, all credit bureaus will receive disputes (again), since Verizon is unwilling/unable to get their crap together and fix their mess. 

[jonjones1]

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@HarryGP wrote:

And yes, all credit bureaus will receive disputes (again), since Verizon is unwilling/unable to get their crap together and fix their mess. 

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Which is exactly what I told you to do. 

However if Verizon replies as it’s correct, your next recourse is to put a letter in your credit file with explanation. However credit lenders never see that letter.

please remind the credit bureaus that only the original creditors can post information on your credit file, not collection agencies. Most consumers will not challenge it but can and should.