My credit report does not accurately reflect an old real estate loan that was foreclosed upon in 01-03. The second lien holder, CitiFinancial, continues to show this account with activity every month. I can also recall when CitiFinancial posted an inquiry every day or week just to increase the number of inquiries. This also reduced my credit score.
CitiFinancial sent me a letter back in 6-03 indicating a charge-off, and eventually sent the IRS a 1099-C for the amount of $47K. Yet, as of this year, they claim the loan amount is $53k.
When I call CitiFinancial, they are rude and not helpful at all. They won't even transfer me to their legal department.
When I try to apply for a refi on other property, the underwriters claim that the foreclosure was too recent. Credit scores are getting lower and lower. Citi-Financial continues to violate FCRA rules and regulations.
What I want is for my credit report to accurately reflect the true information. I also want Citi-Financial to stop posting inaccurate data on my credit report.
How do I measure the damages? All responses are welcomed!
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