Yes sir! although you might want to make sure and wait for another member to confirm my answer as I am not completely sure. Better yet, why don't you ask the Lending Tree guys because they can answer your Lending Tree question better...

That must have been the way the small claims judge saw it, because Quixote lost his case..

But, small claims judges are erratic and in no way construct case law that is relied on..

IMHO, there is no PP for a closed account when you inform the creditor they are reporting wrong. They should have internal records to substantiate their reporting and not rely on CRA's to inform them of what/how they reported...

If that isn't proof positive then I'm sure I have no idea what is...

"I beleive your company is incorrectly reporting the details of my closed account, #________. Please validate/verify/review <pick one> my account history in your files and update the CRA's appropriatelyy.....".

Something to that effect....

I don't see any reason whatsoever for pulling a CR for a scenerio like this. It would do them no good, as the only way to settle the matter is an internal review of the account. it needs some thought still, but I htink one could word the dispute in such a way as to make pulling a CR clearly not within the bounds of the dispute... then see if they run on auto pilot and pull it anyways..

"I requested of Joe Shmoe collections to validate your records and update the CRA with your findings. In no way did I authorize you to pull my CR and invresitgate my credit worthiness, financial status, and personal information, nor is there any fathomable purpose for you to do such. I simply asked for you to review your records for accuracy and report your findings"... blah blah blah delete and send me $1000..

There is your problem. Way too much of that blah blah blah stuff..

Why not just state your case and let them run with it, either in or out of court, their choice?..

Bill, thats only a few sentences :) but I see our point... no need really to reiterate the previous request in such a manner - keep it brief, succint, and to the point eh?..

Exactly! Something to the effect of "Hey you crazy loon! You goofed up and here is how. Now what are you going to do about it? Or do I have to kick it out of you in a court of law? Wake up and die right you boob!.

Signed.

Harry Balz.

(LOL).

Of course, you might just want to reword that a bit. (TEEHEE!)..