This is just my advice and not legal opinion. I don't think you have enough yet for legal proceedings. Because CSC can always claim bonfi error and a they can argue that you need to give them a chance to fix it. I know it's not fair but just saying that's how some might look at it. Did you keep a copy of the dispute letter to CSC? if so hold on to it forever. I think there are several things you can do.
1. Contact Dillards and explain what happened. There is a chance that Dillards tradeline will be put back on when Dillards run their monthly tapes. If not ask them if they could report the tl to the CRAs.
2. Dispute the duplicate to Midland. They must report the dispute to the CRAs and if they don't then you have Midland on violations. If they do vertify the info as good to the CRAs and the account is exactly the same, (any and all info) then they must send you info backing up the duplicate, if not you have Midland on violations. Be careful with Midland, they are know to royally screw with peoples credit reports by selling tls and reporting duplicates. Go over the duplicates on the report with a fine-tooth comb. Check everything. If this is a postive tradeline see more iinfo on #3
3. For Benmark, do the same thing as you do for Midland. Now if Benmark is a postive tradeline (revolving account) and it is not a finance company, You may want to leave it alone. Because a duplicate postive revolving account never hurt anyone and disputing it might just get both the orginal and the duplicate deleted.
4. Dispute everything again with CSC and wait. If things don't improve, then you have alot more legal ground to stand on.
Remember.. If an account is deleted you will lose age and points might go down especially if the baddies on that tl are old, (late payments etc..)
Personally I would do all of the above so that all my bases are covered.
Once again this is just my opinion.
Good luck!! I'll be rooting for you.
P.S. The reason I said if the duplicates are revolving charge and not a finance accouont is because the credit limit on the duplicates will help your utlization. (I know, because it is happening to me)
Message Edited by sunmaiden on
07-11-2007 06:38 AM