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Ask Law Educator, Esq. Your Own Question
Law Educator, Esq.
Law Educator, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 114695
Experience:  Attorney experienced in commercial litigation.
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My credit report states that I did not pay my credit line of

Customer Question

My credit report states that I did not pay my credit line of $354. My bank Wells Fargo, stated it was double accounting when they purchase Wachovia. I tried to pay the $ 177. Wachovia states it cannot cash the cheque because the account was paid. yet the Credit bureau refuse to remove it from my credit report. I sent a ban letter stating thte amount is paid. The credit bureau called WF and the bank says I still owe the money. I want to buy a house, I need to have this issue resolved
JA: What state is this in? And when did the issue begin?
Customer: I live in Tx I am searching for a lawyer
JA: Have you consulted a lawyer yet?
Customer: I came online searching for a lawyer
JA: Is there anything else the Consumer Protection Lawyer should be aware of?
Customer: no. I want the 177 address
JA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Consumer Protection Lawyer about your situation and then connect you two.
Submitted: 10 months ago.
Category: Consumer Protection Law
Expert:  Law Educator, Esq. replied 10 months ago.
Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
If your creditors are improperly reporting your credit and you have sent a letter demanding that they correct the improper report and they refused, actually under the Fair Credit Reporting Act, you can sue them for your actual damages (including any lost loan) plus your attorney's fees and also file a complaint to the Federal Trade Commission. I would suggest you immediately get a local consumer protection attorney from the same sites used by other attorneys, http://www.hg.org or http://www.lexmundi.com and pursue your suit against them. Additionally go to http://www.ftc.gov and report them for violating the Fair Credit Reporting Act.