CA help… what’s next?

short version…

 

credit card belonged to my father. when he died, BoA tried to pin the debt on my mother (she was an authorized user). debt now belongs to CA, asset acceptance.

 

first, we sent letters to CA for proof the account belonged to my mother, ie. provide us a signature. they did not. continued to report collection.

 

next, certified letters were sent to credit bureaus to remove collection directly. they returned as verified.

 

next, certified letter to CA asking for validation.

 

almost 45 days letter, received a letter from CA saying, “we have reviewed the information you provided, as well as our notes and the information provided from the original creditor. as a result of our investigation we have reported your account as ‘disputed’ to the credit reporting agencies.”

 

this makes no sense to me… of course it’s being disputed, I’M disputing it. with THEM…

 

i’m trying to refinance my mother’s home and cannot because of this. is my next step a complaint with the BBB or FTC?

 

any suggestions/help appreciated.

 

thanks.