Trade Line Added To Credit Report Without Knowledge
I'm writing because I would like to bring suit against an agency that put a trade line on my credit report without properly validating the amount.
On August 13, 2013, I filed a dispute on Equifax.com due to discovering a trade line for $37,663.00. After investigating the dispute, Equifax found that the debt was valid and the confirmation was giving from SSA Office of Financial Policy at 1155-10 Jamaica Avenue, SSA Office, 11th Floor, Jamaica, NY 11432. I immediately did research on this office and the address on the credit report was incorrect. The office that I found was in 3rd FL district office 155-10 Jamaica Ave Jamaica, NY 11432.
I've been working with SSA in Sanford, NC due to overpayments that SSA has not been able to confirm. Since May 2011, I have received multiple billing statements attempting to collect $962.00 and occasionally $37,663.00. On every occurrence, I've contacted the payment center in AL and the office in Sanford, NC and was told multiple times that the waiver was still being reviewed.
In May 2013, the Sanford office told me that the waiver hadn’t been scanned into the system. I then had a personal conference with SSA Sanford office and I stated that I was not given proof as to this being validated. It’s been almost 2 month and no confirmation as to whether the waiver was approved or denied by letter. Then the trade line appeared on my credit report.
Lastly, I am in the process of sending a debt validation to the address of the SSA office located in NY. If they are unable to validate the debt within 30 days of the trade line being added to the acct, I will be pursing legal assistance from your company.