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Yes, you can fax or email them.
I would dispute it thru the CA online. They need to get a response from the CA about the "can't find" so they can update their files.
In talking to a lawyer who worked for two of the CA's for years, they don't really scan anything. He told me to always dispute thru the CA so there is a legal record of the dispute. They should get the same response from the creditor as you did and update your file accordingly. Having the letter from the creditor will certainly be helpful should you have to take additional legal steps.
You can dispute with the creditor directly and it is just as legal as disputing with the CRAs.
@ChazR wrote:
Thx for the info. The creditor sent me the letter over 1 month ago and told me they have done everything they can do to remove the collection. It is still being reported as of yesterday. I just want to make sure the CRAs know what are aware the collection is incorrect, hoping they will remove it or at minimum verify the letter with the CA.
What CA is it??
-scott
I would also file a dispute with the Consumer Financial Protection Board, they have an online form. You have to have first filed a dispute thru the credit agencies.
And yes, legally, you can do it directly with the creditor, however, in order to follow up with any legal action, i.e. lawsuit, according to my lawyer, you have to have a record of filing thru the agencies. It's their job, and legal responsiblity, to confirm the information they are being provided is correct. We can't let them off the hook of just rubber stamping the info they get from any reporting party - they need to be held accountable as its their database info that is being used by everyone to determine our credit-worthyness. If their database, and in fact that's all it really is, is getting bad info, then they need to fix their database.
That was true at one time. It no longer is. Disputing with the creditor takes the middleman, the CRA out of the equation because they are not really needed and you are more likely to get the issue corrected going directly to the source.
If the creditor doen't follow the direct dispute, which gives them 30 days, just like the CRAs have, they can be sued.
FCRA 623(a)(8) covers this,
@guiness56 wrote:That was true at one time. It no longer is. Disputing with the creditor takes the middleman, the CRA out of the equation because they are not really needed and you are more likely to get the issue corrected going directly to the source.
If the creditor doen't follow the direct dispute, which gives them 30 days, just like the CRAs have, they can be sued.
FCRA 623(a)(8) covers this,
In addition to the great advice listed above, you do not need to dispute with the CRAs or the CA to file a CFPB dispute. They just WANT you to.
-scott