Credit report errors re: long since closed accounts
I just checked my credit report, and it has an account listed that was a) closed and paid in full in 2001, and b) from a department store chain that folded entirely in 2000. Anybody remember Eatons? If you're Canadian, you'll remember them, at least in a Historical sense. Transunion Canada is telling me (in response to my official error report) that I need documentation from the lender to mark the account closed and possibly remove it from my credit report - however, they no longer exist. What are my options? I'm going to contact the other Canadian credit reporting agency and see if they have better options, and what they have listed on my report. Another account (closed 1998) was similarly listed as Open - I spoke to that credit company (another awful store card) and they agreed to send confirmation of closure to me and the credit reporting agencies, but she said they can't backdate it! She confirmed that the account was closed in 1998, but that the letter she sent today had to be dated today, and would reflect the account being closed as of today. Nothing I said would sway her, and she declined to let me speak to a supervisor. As the account is long since closed, I have nothing to bargain with - anybody have any ideas? One final question - Transunion lists my student loan bank (Scotiabank) as being a reporting body, yet has no record of my loans with them - which have been in great standing for over a decade. Is there any way I can compel the bank to report to the credit agency? I'm so irked that decades of that perfect payment record aren't helping me at all!