GEMB/JC Penney / GEMB/JCP
I have had a charge off on my Experian Credit Report for almost 11 months now that I can not get removed despite disputing it 2 times. The charge off says that I owed JC Penney $1200 and that they wrote it off back in June 2002 after it was not paid. I never had a credit card with JC Penney in my life and I never shop in their stores nor in thier drugstores like Eckerds that they owned. I wrote to Experian and told them that I never had this account and they say they verified the debt --end of matter for them. Apparently all Experian does is ask GEMB to verify the account numbers on their computer match my name. They do nothing more that I can tell.They tell me I can write to GEMB to dipute it but thats all Experian will do. So I have sent two certified letters to GEMB at the address they list with Experian which is a PO Box in El Paso, Texas. Both letters were signed for by them at this El Paso address more than 90 days ago. Both letters received no response.
I have excellent credit but now this blemish has appered on my Experian credit report. Trans Union and Equifax do not show it just Experian. I guess I could threaten to sue them for lible and other damages. Experian says it will be removed due to the 7 year rule in December 2008 so like only 8 months away and I figue by the time my lawsuit got to Court they will have removed it and Ill be left with paying hundreds in Court fees for something that was not my fault. Any advice /thoughts on what I can do?