I totally agree with your advice, pizza, with one minor suggestion. Yes, going directly to the CA and getting them to remove the baddie directly by notice to the CRA is the most expeditious procedure. However, the CA is under no legal obligation to do this. The legal dispute procedure under the FCRA is by notice of dispute to the CRA reporting the entry, who when has 30 days to resolve it by contacting the creditor. Yes, a convoluted procedure, but it is the only procedure that legally forces action on the dispute. So I would just suggest that, in addition to working with the CA, a dispute letter also be immediately filed with each CRA reporting this account, and trigger the FCRA procedure.
My personal experience leads me to say this. I had a collection appear on my report about a year and a half ago that was from some medical collection agency, for a bill that I did not recongnize, and never incurred. I played around with phone calls to this CA for a few months, and just got the run around. They simply would not put the effort into investigating it unless forced to do so. So I filed a formal dispute with each CRA, and it was resolved within two months.
Message Edited by RobertEG on
05-07-2008 11:56 PMMessage Edited by RobertEG on
05-07-2008 11:59 PM