I checked my Equifax credit report on Saturday, March 26, and discovered an entry by BB&T, PO Box 1626, Wilson, NC 27894-1626. (Street address: 110 S. Stratford Road, Winston-Salem, NC 27113.)
According to the entry, I have an account with BB&T that is currently 120 days past due.
That is outrageous, since I do not HAVE an account of any sort, type or description with BB&T!
Furthermore, BB&T is reporting a $0 balance and, in the comments section, the remark: "Closed or paid account zero balance."
It is patently absurd, illogical and irrational to report an account with a balance of $0.00 and a current status of 120 days late. Not to mention: it is a ripoff!
This report, particularly the notation about being 120 days late, is likely to cause me to suffer adverse actions, vis-a-vis declined credit applications and higher interest rates.
I am mailing a certified letter, return receipt requested, to BB&T demanding that this item be deleted. If not done within 30 days of their provable receipt of my letter, I will file suit against BB&T for a plethora of violations of federal and State of Georgia laws, including the Fair Credit Reporting Act/Fair and Accurate Credit Transactions Act, as well as file a series of complaints against BB&T with appropriate federal and state agencies. I will demand a jury trial and will seek maximum statutory, compensatory and punitive damages, and attorney's fees. In other words, I am not going to tolerate this sort of abuse.
BB&T has precisely two options: they can cure the problem or be sued.
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