Are your dispute results coming back as "verified"?
You did the hacks, sent the letters, and did every possible online dispute...
Well family, it is time to go through the process of filing a complaint with CFPB.
Did you know charge-off accounts are always with the original creditor?
They have all the information, they can verify it, and it is very likely why you cannot get it removed with all the other methods.
Sometimes it may work to claim that the "account is not mine" but not always. Since that is the case, it is time to remove charge-off accounts with CFPB complaints.
Visit CFPB and follow each step, feel free to personalize and modify the language to your complaint.
๐จGET THESE ACCOUNTS REMOVED ๐จ
2. Credit reporting or other personal consumer reports (background checks, employment, or tenant screening)
3. Credit reporting.
4. Improper use of your report (shared without consent, credit inquiries from unknown sources)
5. Reporting company used your report improperly (obtained or used for purposes that aren't allowed by law)
6. Have you already tried to fix this problem with the company? YES
7. Did you request information from the company? YES
8. Did the company provide this information? NO
โผ๏ธ60 % Success Rate