Incorect credit info

[Greenman]

The short story. I refied my house a couple years back, discovered a few months ago that the original lender reported the property as foreclosed on my credit report. I called the original lender and was told they would take care of it at once, that never happened. I sent them a letter some months back and they informed me that their records show the property as having been foreclosed, and that there is nothing they can do at this point.
How do I fix this? There are no late payments before the "foreclosure", the loan was paid in full, I still live in the house. It was a straight up refi that was listed incorrectly by the lender, and they refuse to fix their mistake. Do I have to sue them, or is there some other action I can take?
A foreclosure really screws up your credit score, and it might have cost me several thousand dollars in another deal when the foreclosure turned up. Because I was able to show that the loan wasn't in arrears at the time, and that I still own the property, the deal went through. But I need to fix this now.

help.

 

[Fraggable]

Talk to your lawyer?

 

[imported_Baloo]

Have you file a dispute with the credit reporting agencies?

 

[Greenman]

Originally posted by: Baloo
Have you file a dispute with the credit reporting agencies?

No. I had no idea such a thing was possible. Do I have to file with all three, or is there a central location that reports to all of them?

 

[Greenman]

Originally posted by: Fraggable
Talk to your lawyer?

That's the last resort. I'm sure someone here knows all the answers I need.

 

[Fraggable]

Originally posted by: Greenman

Originally posted by: Baloo
Have you file a dispute with the credit reporting agencies?

No. I had no idea such a thing was possible. Do I have to file with all three, or is there a central location that reports to all of them?

Just 1 of them. I'd go with Experian myself, they're the ones I've talked to when I need a short-term credit alert and have been very helpful and never wasted my time trying to sell me all kinds of services.

 

[kranky]

I would go over to creditboards.com and ask your question. I have a feeling you could possibly be entitled to monetary damages for the false information that cost you money in the other deal.

 

[Greenman]

Originally posted by: kranky
I would go over to creditboards.com and ask your question. I have a feeling you could possibly be entitled to monetary damages for the false information that cost you money in the other deal.

I'll check out creditboards.
Since up to this point I haven't really been damaged, I'd rather not make this a huge issue, I just want it to go away. But if it does cost me money at some future time, I'll be retaining the law firm of Dowe Screwem & Good.



Thank for all the help.

 

[Kyteland]

Originally posted by: Greenman
But if it does cost me money at some future time, I'll be retaining the law firm of Dowe Screwem & Good.

I personally prefer Dewey, Cheatem & Howe

 

[Greenman]

Just an update, I took a close look at my credit report, it's loaded with errors. According to my birth date on the report, I purchased my first house when I was 7 (and had a 24 year old wife, go me). I'm almost certain a 7 year old can't get a bank loan, seems like they might have noticed that. There is also a couple of credit cards that aren't listed, and one I didn't even know I had.

This is going to be a nightmare.