To whom did you send the validation? You said a CO account. Was it a CA or OC? Can't DV an OC, they don't have to respond to it. Curious.
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Naturale, again, you don't send an OC a DV, those are for CAs. You can send the OC an OC Letter (thanks Lady Scarlet). Who is reporting you anyway? Both?
This is what the OC letter would look like. Make changes for your situation.
Company
Address
Address
Date
Re: Acct #xxxxxxxxxxxxxx
To Whom It May Concern:
I recently pulled my credit report from Experian, Equifax and TransUnion and noticed this account was listed on each of my reports as a collection I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified".
Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
In order to clear up this matter, I would like to see:
Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account
If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.
Please send all correspondence to:
Name
Address
Address
Sincerely,
DO NOT SIGN......JUST TYPE NAME
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
This is what the OC letter would look like. Make changes for your situation.
Company
Address
Address
Date
Re: Acct #xxxxxxxxxxxxxx
To Whom It May Concern:
I recently pulled my credit report from Experian, Equifax and TransUnion and noticed this account was listed on each of my reports as a collection I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified".
Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
In order to clear up this matter, I would like to see:
Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account
If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.
Please send all correspondence to:
Name
Address
Address
Sincerely,
DO NOT SIGN......JUST TYPE NAME
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Anonymous wrote:Correction....the letter that I sent was a PFD letter...I dont know if that makes a difference.
Yes it does. Read my other post above.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
