I have Wells Fargo bad debit 12 years non payment and they refuse to remove. I need to buy a house at 73 years. Do I

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Customer: i have Wells Fargo bad debit 12 years non payment and they refuse to remove. I need to buy a house at 73 years. Do I have rights?
JA: What state are you in? It matters because laws vary by location.
Customer: Texas
JA: What steps have you taken so far?
Customer: Lexington law.... just report and ask for removial...no help.
JA: Is there anything else the Lawyer should know before I connect you? Rest assured that they'll be able to help you.
Customer: Origional loan 2005, last small payment was 2011, give or take. Many serious hospital surgeries...heart, back, ect.....Social Security only for 3 years plus.
Answered by Phillips Esq. in 5 mins 1 year ago
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Phillips Esq.
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Phillips Esq., Expert

Hello: This isCustomer Welcome to JustAnswer! I am reviewing your post, and I will post my response very shortly. Thank you for your patience.

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Phillips Esq., Expert

I am sorry to read about your situation. A more detailed response will be posted in a few minutes. Thank you for your continued patience and for using Justanswer.com.

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Phillips Esq., Expert

I am sorry to read about your situation once more.

Pursuant to Fair Credit Reporting Act, that information should no longer be on your credit file because it is more than seven years old. See 15 U.S.C. Section 1681c (Fair Credit Reporting Act Section 605). So, you need to send a request (using dispute process) to all Credit Reporting Agencies where the information is appearing to remove the derogatory information from your file because it is no longer supposed to show on your file by law. You need to cite the Fair Credit Reporting Act. If your request is ignored or denied, you need to file complaint against the credit reporting agencies with Federal Trade Commission, Consumer Financial Protection Bureau, and the Better Business Bureau.

https://www.ftc.gov/faq/consumer-protection/submit-consumer-complaint-ftc

https://www.consumerfinance.gov/complaint/

https://www.bbb.org/

If your issue remains unresolved, then you can file a lawsuit against the Credit Reporting Agencies at the U.S. District Court in your District to force them to remove the derogatory information from your file.

You may also consider retaining the services of a local consumer Attorney to assist you with the case. Most consumer Attorneys would take a case on contingent fee basis. This means that the Attorneys may not charge upfront for their fees and would only get paid if they win the cases for the consumers. Even then most Courts award Attorney fees to prevailing consumers. So, you may not have to pay out of pocket to obtain a consumer Attorney to assist you with the case.

You can use the following sites to find local consumer Attorneys:

https://www.justia.com/lawyers

https://www.findlaw.com/

https://www.lawyers.com/

Please note that I work with multiple customers on the site and I respond to posts in the order that they are received. If you have asked additional questions but have not heard back from me, it does not mean that I have ignored your post. It just means that I am currently working with another customer in front of you or may be offline. Thank you for your understanding.

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