Established Member
DeserteRz
Posts: 24
Registered: ‎01-02-2013
Got two collections removed. But.....
[ Edited ]

I have reported two collections on all three credit reported and they where removed from both but Equifax.

 

Experian and Transunion reported back and it says Outcome: DELETED for both. However Equifax says this:  We verified that this item belongs to you. We have verified that this item has been reported correctly. WHAT??

 

How is it that Experian and Transunion said the collector could not prove the debt and it was removed from your report but they can prove it to Equifax?

 

By getting these two off my report it made my Experian score go up over 100 points. I'm not sure about Transunion.

 

Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012
Re: Got two collections removed. But.....

I think the next step would be MOV

 

 



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Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
Re: Got two collections removed. But.....

DeserteRz wrote:

I have reported two collections on all three credit reported and they where removed from both but Equifax.

 

Experian and Transunion reported back and it says Outcome: DELETED for both. However Equifax says this:  We verified that this item belongs to you. We have verified that this item has been reported correctly. WHAT??

 

How is it that Experian and Transunion said the collector could not prove the debt and it was removed from your report but they can prove it to Equifax?

 

By getting these two off my report it made my Experian score go up over 100 points. I'm not sure about Transunion.

 


Are they your debts?

Have you sent the CA a DV letter?

Established Member
DeserteRz
Posts: 24
Registered: ‎01-02-2013
Re: Got two collections removed. But.....

guiness56 wrote:

DeserteRz wrote:

I have reported two collections on all three credit reported and they where removed from both but Equifax.

 

Experian and Transunion reported back and it says Outcome: DELETED for both. However Equifax says this:  We verified that this item belongs to you. We have verified that this item has been reported correctly. WHAT??

 

How is it that Experian and Transunion said the collector could not prove the debt and it was removed from your report but they can prove it to Equifax?

 

By getting these two off my report it made my Experian score go up over 100 points. I'm not sure about Transunion.

 


Are they your debts?

Have you sent the CA a DV letter?


No I don't know what they are one is Verizon and I have AT&T and the other no idea. I have never dealt with this I'm not 100% sure what a CA or DV is. :smileyhappy:

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
Re: Got two collections removed. But.....

CA = Collection Agency

 

DV = Debt Validation

 

I would send the reporting CA a DV letter.  This makes them responsible to verify the debt is in fact yours.