I have an account in collection on my credit report. I started an investigation with my credit reporting agencies (all 3) and sent the reporting company correspondance. I requested all information as requried by law under the FCRA. I have sent two certified letters to them and have received no reply. I am now going to the FTC and also looking at retaining an attorney. This company reporting an account delinquent for over 120 days and now in collection has dropped my FICO score nearly 40 points. They have not substantiated the claim with any paperwork whatsoever. Of the 3 Credit agencies, 1 removed it from my file (Exuifax), 1 investigated and claims it is valid (Experian),
1 i have not heard from (Trasunion).
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