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Contributor
onmyway3161
Posts: 111
Registered: ‎05-13-2007
0

Question about Dispute

I had DV'd a CA and they failed to properly validate so I disputed with all three CRA on this account. EQ deleted this account from my report but I received an email today from EX stating the account had been verified and updated. How can on reporting agency delete and the other say it is validated and updated? I am still waiting on TU decision on this account.
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Question about Dispute

This is a violation.

Send ITS letter.
Contributor
onmyway3161
Posts: 111
Registered: ‎05-13-2007
0

Re: Question about Dispute

Timothy
What is an ITS? I did a search but couldn't find it.
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007
0

Re: Question about Dispute

intend to sue
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Question about Dispute

Send this letter to EX:
 
From:
My Address
 
To: CRA
CRA Address
Date: June XX,2006
 
RE: Account #XXXXXXX/ Arrow Financial Services
 
Dear Sir/Madam:
 
This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that Experian do what is legally mandated by the FCRA and FDCPA, and delete the account listing.
 
Arrow Financial Services, Account # XXXXXXXX
 
On March 21, 2006, Arrow Financial Services received a demand for validation from me. Attached is a copy of that letter along with the U.S. Post Office return receipt showing they did indeed receive the request. As of today, June XX, 2006, they have failed to provide any proof or respond in any way.
On May 2, 2006, I sent a second letter. Again, I have received no response. Attached is a copy of the letter and the U.S. Post Office showing they did receive that letter.
 
The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 3 months since it was requested.
 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor.
Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced by my attached documented proof.
 
Sincerely,
 
Regular Contributor
Redamagon
Posts: 139
Registered: ‎08-07-2007
0

Re: Question about Dispute

Tuscani what kind of letter should I write if I want to pay Utility bill(coned), and to see if they that off the collection of my Credit report. Thank.
Regular Contributor
Redamagon
Posts: 139
Registered: ‎08-07-2007
0

Re: Question about Dispute

never mind I just saw the letter that you wrote...thanks

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