No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
A judgment that was DISMISSED is STILL on my exp report even after I sent the documents clearly stating it was dismissed and they wrote back saying they updated to paid, which it wasnt updated. then i dispute b/c it is supposed to be off the cr b/c it is DISMISSED and they send me an email with dispute results that say updated to paid. WTF??? What do I do now????
NOW, i get a TC alert, and it says "public record updated / changed". ok , so I go to the public record file and it says "status: filed'
WHAT in the world is going on? Am I wrong to assume that DISMISSED means just that, DISMISSED! I am so sick over this i want to cry. Someone please help!
Not yet Demed. Was going to do that today as a matter of fact.
is there any sample ITS letters?
Please adapt freely and use as you like. As usual, YMMV.
USPS Certified Letter # 7008 1300 0001 8869 6236
September 5, 2008
TransUnion
P.O. Box 2000
Chester, PA 19022-2000
RE: incorrect information on my TransUnion credit file (file #1234567890)
Notice of FCRA violation and intent to sue
To Whom It May Concern,
In my letter dated August 7th, 2008, as expressly permitted by FCRA and under the provision of FCRA § 611(a)(7), I notified Transunion that the following information is incorrect:
In my same letter dated August 7th, 2008, as expressly permitted by FCRA and under the provision of FCRA § 611(a)(7), I requested Transunion:
As of today September 5, 2008, TransUnion decided to ignore my requests.
FCRA Section 611(a)(1)(A)clearly states that upon receipt of a dispute, a Credit Reporting Bureau such as TransUnion is to perform an investigation. Obviously, this did not hold true of my dispute dated August 7, and August 19, 2008 .
According to the FCRA, TransUnion is responsible for verifying the accuracy of information contained in consumer credit report files, and investigate purpose when accuracy of its reports is disputed. Ignoring a dispute or referring me to the party responsible for the inquiry is not an option according to the FCRA.
Because of your disregard for my request expressly authorized by the FCRA, I am demanding that the disputed information be amended immediately as requested or deleted from my credit report. I am guaranteed, by law, that you will report with 100% accuracy and that any information contained in my file I dispute will be investigated. In this case, you have proven that this has not been done.
TransUnion now has 5 (FIVE) days from receipt of this letter to properly amend as requested.
After that time, I shall file suit without further communication. I shall also immediately file complaints with the BBB, the AG offices in my and your home States, and the FTC, regarding this matter.
Sincerely,
my name
my address
my SSN:
my Date of birth:
Thank you Demed!
Rudy, When I sent the copy of the court docs to all 3 cra's , I did ask them to delete from CR. They only updated. and like i said (eq) only updated to "filed" not even "paid". None have responded with a deletion.