Well here is the thing; it WASN'T reporting to all three, just Exp and TU. TU was pretty clean with one other unpaid I was disputing, and Efax was really nice with just a 6 3/4 year old CO. So my plan was to start apping in May once the AU reported and I topped 700 with no open baddies.
I DV'd Midland and Household, Household removed from Exp and TU, Midland ignored me and ADDED me to Midland. So now I am stuck with it on all three.
Not sure what the heck Household is doing, they sounded great at first saying they'd buy it back, but I've been faxing, calling, driving myself mad telling the story over and over and over. The last person asked me to explain, I said please just use the reference # YOU provided me on the letter you SENT me with the phone # YOU provided. Well reference #s are meaningless. So the last person who asked, I said listen I'd be happy to explain but if I tell the story one more times my brains are going to leak out my ears and then getting the tradeline removed will be a moot point now won't it. I think they are doing nothing.
Last person said 'oh yes the account we investigated that said we showed was yours and we are updating?' I said no, the one you investigated that showed was NOT mine and were removing (did remove) dated less then 4 weeks aqo. Oh. Can you fax that? I DID. Several times. Several #s. Not sure why I need to spend $25 to fax you a letter YOU wrote. On and on and on...
So far I have re-sent it to the three CRAs AGAIN, demanding the removal if all they did was get Midland to confirm my name/ss#. Efax told me point blank they never ask for documentation like SIGNED CONTRACTS and STATEMENTS. I pointed out that FCRA law demands they VERIFY the INFORMATION provided is correct if it has been disputed, especially if I have proof the OC says NOT MINE and that does not mean verifying some slimey CA has my name and ss#. Pretty sure it won't do anything.