My wife and I refinanced our home in the early part of 2009 at the closing they said we needed to clear up a late balance of over $1, 000.00 on one of our credit reports. We contacted (EXPERIA) who told us we would have to talk to JC PENNEY and when e did
they did not show any balance or anything in our name.
Yet it has been 1 year later and the charge is still on our credit report with (EXPERIAN) in the amount of $1, 019.00
When we call about it they tell us the same thing they did a year ago no one seems to know any thing about it.
We would like to have it removed. We have never had a account with JC PENNEY and have been married for 45 years now.
If we have ever owed them any thing why did they not ever send us a bill or try to contact us one time.
We feel this has gone on way to long and could some where down the road will ruin our credit.
I do not what to do to get it removed and we don't know how legally a company can let this go on.

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?