credit question?

Under the Federal Credit Reporting Act, both the consumer reporting companies and the information providers (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting companies and the information provider. Since the information providor (MCCOIN/BUNCH) is closed, mail a copy to their last known address.

Tell the consumer reporting companies, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting companies received. Keep copies of your dispute letter and enclosures.

Consumer reporting companies must investigate the items in question—usually within 30 days—unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting companies, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file. Since the company MCCOIN/BUNCH is no longer in business, they will be unable to verify that the information is accurate!

When the investigation is complete, the consumer reporting companies must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the consumer reporting companies cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete.

Since, in this case, the information providor (MCCOIN/BUNCH) is no longer in business, it will be unable to verify the information to the credit reporting agencies and, therefore, the agencies are required by federal law to remove the entries from your report.

The consumer reporting companies also must send you written notice that includes the name, address, and phone number of the information provider. Since the company is out of business, the consumer reporting companies can not send you this information and, therefore, the entries must be removed from your credit report.

If you ask, the consumer reporting companies must send notices of any corrections to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the consumer reporting companies, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting companies to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

As previously stated by TC3, the three credit reporting agencies are Experian, Equifax and TransUnion. Go to their websites (listed below under source) for further information and the addresses to which you should report your dispute.

You dispute them through the 3 credit companies. Experian, Equifax and Transunion. Dispute it and tell them they aren't yours. They should be able to tell you something or drop it

the credit companies will also tell you exactly how to file a claim

you can't contact a closed company obviously.......deal with the credit agencies for help!