topic Re: JUST GOT DISPUTES BACK.........HELP in Rebuilding Your Credit

JUST GOT DISPUTES BACK.........HELP

Anonymous — Wed, 16 Sep 2015 20:56:06 GMT

SO I DISPUTED THE SAME INFO WITH THE 3 CRA'S..............WHAT DO I NEED TO DO?

PENN CREDIT CORP GOT DELETED FROM TRANSUNION BUT STAYED ON EX...AND EQ??? DISPUTED IT FOR THE SAME REASON ON EACH "NOT MY ACCOUNT"

NOT SURE WHY IT DID NOT GET THE SAME RESPONCE......

WHAT SHALL I DO TO GET IF OFF THE OTHER 2.????

Re: JUST GOT DISPUTES BACK.........HELP

gdale6 — Wed, 16 Sep 2015 20:58:07 GMT

@Anonymous wrote:
SO I DISPUTED THE SAME INFO WITH THE 3 CRA'S..............WHAT DO I NEED TO DO?

PENN CREDIT CORP GOT DELETED FROM TRANSUNION BUT STAYED ON EX...AND EQ??? DISPUTED IT FOR THE SAME REASON ON EACH "NOT MY ACCOUNT"
NOT SURE WHY IT DID NOT GET THE SAME RESPONCE......

WHAT SHALL I DO TO GET IF OFF THE OTHER 2.????

What is it? An ID Theft opened account?

Re: JUST GOT DISPUTES BACK.........HELP

Anonymous — Wed, 16 Sep 2015 21:38:07 GMT

I THINK ITS A HOSPITAL BILL BUT I DON'T REMEMBER IT

Re: JUST GOT DISPUTES BACK.........HELP

RobertEG — Wed, 16 Sep 2015 22:44:53 GMT

There are a couple of issues.... why the disputes resulted in different outcomes with each CRA, and whether the dispute process is the proper way to handle your issue.

First, not all deletions after the fiing of a dispute are the result of a CRA finding that the information was not verified.

Stated differently, not all disputes terminate in finding by the CRA and the mailing of a Notice of REsults of Reinvestigation that states the CRA has deleted.

After referral of the dispute to the furnisher, they can choose to delete their reporting, which renders the dispute moot. No more reporting, then no isue of its accuracy or inaccuracy. The dispute is dismissed. Thus, the CRA may never send a Notice of Results of Reinvestigation.

The furnisher may choose to only verify with one CRA, and remove their reporting from the others.

Did you receive a Notice of Results of REinvestigation from each CRA, and if so, what did it state as to their finding?

Second, if a furinsher is fowarded a dispute that asserts account not mine, and they have reasonable documentation to conclude that you are the identified consumer, they can verify. They are not required to factually prove that you authorized the account. Presumably, they have some documentation that supports identification of you as the responsible consumer, regardless of whether it may be based on someone else having used your identity.

For that reason, the dispute process is insufficient to handle account not mine assertions, and the FCRA includes an optional identity theft process to permit consumers to get information they assert to have not been authorized by them blocked from their credit report.

The process is outlined in section 605B, and involves filing a police report with the CRA.

If you are willing to put your assertion of account not mine into a sworn police report, you can use the credit report blockage provision of FCRA 605B to remove the info from your credit report with no involvement or concurrence by the creditor.

Re: JUST GOT DISPUTES BACK.........HELP

Anonymous — Thu, 17 Sep 2015 12:13:39 GMT

Also, Transunion seems to be the easiest cra to get items removed from. Equifax and Experian are a little more difficult. So far I have managed 5 from TU, onlyv1 from EQ and none from EX.

Re: JUST GOT DISPUTES BACK.........HELP

Anonymous — Thu, 17 Sep 2015 15:10:02 GMT

so what should my next steps be? how can i get it removed?

Re: JUST GOT DISPUTES BACK.........HELP

gdale6 — Thu, 17 Sep 2015 16:11:35 GMT

@Anonymous wrote:
so what should my next steps be? how can i get it removed?

DV the reporting CA to see if it is in fact yours. If it isnt then you would just use the laws afforded you in the FCRA to have it removed as an ID Theft account.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Debt-Validation/m-p/7133

http://ficoforums.myfico.com/t5/General-Credit-Topics/Victim-of-Identity-Theft-What-To-Do-to-Protect-Yourself/td-p/2059499

If it turns out to be yours

For unpaid medical debt that is reporting on your CR:

1. Call the OC and see if you qualify for Charity Care
2. If not then ask that they recall the collection in exchange for full payment
3. Send the reporting CA a PFD offer
4. Google the HIPAA Process and contact its creator for help

Re: JUST GOT DISPUTES BACK.........HELP

RobertEG — Thu, 17 Sep 2015 19:30:36 GMT

I assume Penn Credit is a debt collector?

If so, when did they send dunning notice?

It might be a bit late for a timely DV, and thus it might be ignored........

Are you willing to positively assert someone else having used your identity to accrue the asserted debt?

Stated differently, are you wiling to put your assertion that it is not yours into the form of a sworn police report?