topic Re: Disputed Collections/CC in General Credit Topics

Disputed Collections/CC

Anonymous — Sat, 09 Jun 2007 15:09:50 GMT

On Oct06, I purchase my cr from Experian using the Suze Orman product. I had a collection that I disputed and was removed from my cr. But now that I'm trying to dispute this same collection form Equifax, my disputed result stated that this collection belongs to me. Why is Experian able to delete this collection but not Equifax? What do I need to do? Also, I have 3 cc that I don't have or recollect having. But when I disputed these cc, Equifax reported them as it belongs to me. Please help. These cc are also reported on Transunion. Need help!!

Re: Disputed Collections/CC

Anonymous — Sat, 09 Jun 2007 15:55:47 GMT

Is the item legitimately yours? If so it sounds like you just got lucky with EX removing it. If the collection is yours and still open try sending a PFD letter.

Re: Disputed Collections/CC

Tuscani — Sat, 09 Jun 2007 19:23:22 GMT

Remember... the CRAs have nothing to do with one another, and you have no leverge between them. Just because one deletes does not mean the others are obligated to follow.

Re: Disputed Collections/CC

MidnightVoice — Sat, 09 Jun 2007 19:38:42 GMT

Tuscani wrote:
Remember... the CRAs have nothing to do with one another, and you have no leverge between them. Just because one deletes does not mean the others are obligated to follow.

As I well know. And for me, EX hates removing anything at all

Re: Disputed Collections/CC

Anonymous — Sun, 10 Jun 2007 21:30:31 GMT

The collection is mine, it was cable company. I turned in a cable receiver at their local store and the company sent my account to a collection agency because supposedly they had no record of the item being turned in. Should I send this company a validation letter or pfd? and what should I do with the credit cards that stated I opened an account with them, First Premier and Bank of Hoven? Does anyone knows anything about these companies?

Re: Disputed Collections/CC

Anonymous — Sun, 10 Jun 2007 22:35:12 GMT

Do you have the receipt from when you turned it in?
or the Serial number?

I file these ASAP as cable companies are known to mess this up.

Re: Disputed Collections/CC

Tuscani — Mon, 11 Jun 2007 14:39:10 GMT

Is this Comcast or Time Warner by chance?

Re: Disputed Collections/CC

Anonymous — Mon, 11 Jun 2007 22:48:19 GMT

ACS company from Alaska.

Re: Disputed Collections/CC

Tuscani — Tue, 12 Jun 2007 12:31:03 GMT

Ok, so do you have the SN# or receipt as Tim suggested?

Re: Disputed Collections/CC

Anonymous — Wed, 13 Jun 2007 00:58:55 GMT

I don't have the receipt. But the weird thing about this is that I just received my TU disputed result today and they deleted this same item in my CR. This is so frustrating. I have 3 different CA with 3 different informations ie credit cards, collections, etc.. I don't know where to start.

Re: Disputed Collections/CC

Anonymous — Wed, 13 Jun 2007 02:20:17 GMT

Since I have submitted disputes both Transunion and Equifax and both their answers were different. Can I use either one to prove that one's reporting is incorrect? For example, Bank of America reported me as an open account-deposit related profit and loss writeoff for both CA. Equifax deleted this, but not Transunion, how do I remove this from my CR? Then the collection from Cornerstone, Equifax still reporting this but not Transunion. Does anyone have a suggestions?