I’m a bit frustrated here.
I had a reposession in February of 2014. In the notes, they put “Chapter 13; wage earner plan”. I’ve never filed for bankruptcy. So, I decided to dispute and simply say “This account is not in bankruptcy.”
Well after the dispute, they reported that the account was late again in February of 2016 and my credit dropped 30 points.
Can they do that? I’ve been making payments to their collection division for over a year now to pay the difference in the balance. Fortunatley the CA is not reporting on my report. The OC has not updated the balance, which has dropped from $ 5500 to $ 3300 so far as well.