Please help with charge off account dispute?

Question

I have an AMEX card which was never activated. About one year ago, I found there was one transaction that I didn't authorize. I called AMEX and disputed it with one manager and also asked to close the account. She agreed to fix the unauthorized transactions but just suggested me report loss of the card instead of closure. I took her advice. I never use the card since then. Just lately I got a letter from a debt collector for about 220 debt from this account. Then I realized that manager didn't do what she promised. I called American express and was told they didn't own the account any more. I guess my debt was sold to the debt collector. I have sent a dispute letter to the debt collector ask for validation. One month has passed. no response. On my credit report I see a charge-off account. What I am supposed to do next? Shall I deal with Credit Report Bureau, Or continue with the debt collector? Or both? Can I still resovle the issue with AMEX? How can I remove it from the credit report

Answer 1

Hi,

I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:

http://urlvi.be/bsuqv

Answer 2

Send a dispute notice to the credit bureaus and work through them.  If the creditors do not respond to the collection bureau's request for verification within 30-45 days, the items will be removed.

You can use the links below to obtain form letters to send to the credit bureau.

See links below.