If the OC sends me a letter stating they have made major violations and as a result they are deleting a tradeline. Can I use that letter to ask the CA that the debt was sold to to delete as well since the OC has deleted?
Starting Score: 06/2011 505 EX 523 Lender Pulled
Could you provide a little more details as to the situation? Example: time frame, charge-off, did you DV, etc.
@FinanceGuy007 wrote:Could you provide a little more details as to the situation? Example: time frame, charge-off, did you DV, etc.
Sorry FinanceGuy,
I have been disputing this debt for years. This was a car loan that originated in 2004. It went delinquent in 2005. The OC were in several violations before the debt was sold. for example harrasment, calling my job, threatning jail and so forth. Fast forward until recently, the OC was reporting a balance on the account, it was also showing OPEN account all the while the acct had been sold to a CA and reflecting a CO. So I went after them via a dispute with the CRA and of course it came back as VERIFIED. But I sent the CEO a rather nice/nasty letter advising I was not concerned with the violations that I'd caught them on but would much rather the entire trade line be deleted as a result of having inaccuracies in the reporting. My request was honored and they even mailed correspondence admitting to the mistakes in the reporting and apologized for the behavior of the staff that he employed.
Great, IMO I would hold on to your trump card. (Letter from OC) I would DV the CA and see what their initial response will be. If it's not the results you want, play your trump card in your second mailing to them. You must mail your DV CMRRR. IMO disputes online are only checking personal identifiers, not the actually issue at hand. If your information matches with what the OC or CA has then it comes back verified. Information such as name, DOB, SSN, etc. The sad thing is if its even close it comes back verified. So go the snail mail route. They still have 30 days to respond.
