Reply
Frequent Contributor
smooshiesmom
Posts: 272
Registered: ‎05-28-2007
0

What is my next course of action?

Ok so I disputed through TransUnion that a CA that is showing as an open account should not be.  It should be under collections.  They of course sent me a response that this is verified.  I am sure that all they checked was name and address.  I sent the CA a validation letter, it is now past 30 days and of course no response.  I am sure that I will not receive one since they updated as of May and have never even noted the report that the account is in dispute.  I am send a letter to Tranunion with a copy of the green card, the receipt, and the letter that I send the CA.  I am also send it CMRRR.  Should I be doing anything else or anything differently. 
Valued Contributor
slyhouse08
Posts: 2,340
Registered: ‎04-08-2008
0

Re: What is my next course of action?

[ Edited ]
I feel for you...I'm going through the same thing with Central Financial Control...you can either:

1. Send a MOV to the CRA...which they are not to good with...because I have NEVER..seen anyone have any success with a MOV to the CRA....

2. Send all info to the CRA...and hope they delete...which I have not heard tons of stories....with them actually deleting...keep you fingers crossed...they can have all the proof in front of them...and still disagree to delete..only to send you a letter saying it was VERIFIED....

And I was thinking...I think the CA..may update to the CRA...while they are supposed to be investigation the DV...to make it seem like to the CRA..that they are reporting this account accurate...and they in turn will report back to you as verified..because the CA recently reported...I think that's their scam...

Message Edited by slyhouse08 on 05-30-2008 10:49 AM
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007
0

Re: What is my next course of action?

When the CRA receives all the copies....they still have 30 days to delete.
 
They will notify the CA........if the dispute comes back verified  keep all copies. You are setting up for a lawsuit.
 
file a complaint with the FTC
 
Send the CRAs a MOV   CMRRR
 
Send the CA an *ITS* letter
Valued Member
FixinMyCredit
Posts: 68
Registered: ‎05-14-2008
0

Re: What is my next course of action?



smooshiesmom wrote:
Ok so I disputed through TransUnion that a CA that is showing as an open account should not be. It should be under collections.





Is this true? I have a CA reporting the same way under Adverse Accounts on my TU report. I don't see a "collections" section on my TU report. ???? Actually, mine has 2 CA accounts doing this on TU. One is a medical and one is an account that was bought from the OC. How should they be reporting?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}