In 1997, I opened a joint credit card account with my live-in boyfriend. 2 years later, we broke up, but he kept the card and did not keep up the payments.in Midland Credit sent me a collection letter for $1094.57, which I immediately paid in full. I was sent a paid in full letter that clearly states that the debt originally belonged to Cross Country Bank. Now here I am over 2 years later with an entry on my credit report that still states "Bad Debt/Collection" as the "Current Status" on two of the three credit bureau reports. They got it right with Transunion - they reported "Account sold-Balance 0", but with the other two, every month, they report that it is a current bad debt. I have called Cross Country more times than I know to ask how to resolve this, I have faxed them copies of my receipt, AND I have disputed this with Equifax and Experian so many times that they will no longer let me dispute. It is the only bad mark on my credit reports. I have worked very hard to take my credit score from non-existent to a respectable level in the past 8 years. This has been a hard lesson to learn, and I've learned to take responsiblity and have TAKEN responsibility. So why am I still being wronged month after month after month? When I call Midland, they are rude and say it is not their responsibility to make CCB update my credit report.ccB says that it must be the credit bureaus making the mistake - that all three should be reporting "Account sold - balance 0." The credit bureaus won't even let me dispute anymore because everytime they've called to verify, CCB has verified the information as CORRECT! I just don't know what else to do - other than to wait it out until the collection is over 7 years old.
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