Can a CRA do this?

[gdtobefree]

I disputed something that EX verified and TU deleted, well, this is what EQ pulled,

I disputed it, they changed the entire TL to show a satifsfactory account instead of deleting it (I have a copy of the account showing all of this) and then turned around and changed all the info back to a negative TL but never sent me the results of the dispute.

I guess the 46 points my score went up when they changed the info will be taken away.

Message Edited by gdtobefree on 12-05-2008 01:04 PM

[Junejer]

NOTHING a CRA does will ever surprise me again. Did you get on the phone to get an explanation? Do you have hard proof that the change was made?

[gdtobefree]

No I have not called them, OH YES I have proof I have COPIES.

What are the chances that they will say we changed it during my dispute then we verified it or we made a mistake.

What can I do about this?

[Junejer]

My guess is that chances are about 100% that they will say that it was verified.

What to do about it? Let's see what others, who have experienced this bliss have to say.

[gdtobefree]

I have no proof of it being verified.

Thanks for your input, at least I am not the only one that thinks this is wrong

[Anonymous]

When you say that EQ changed it to a positive TL and then back to a negative TL, what exactly changed?

Are you saying it was changed because you got a score increase or because specifics on the account was actually changed?

Did you dispute online, over the phone, or by mail? What date did you dispute?

[gdtobefree]

Everything changed on the TL

They got my dispute by mail on 11/6/08

Let me see if I can copy and paste a before and after.

On 11/18/08 it was reported like this:

Account Number:  

Current Status: CHARGE-OFF 

 Account Owner: Joint Account 

High Credit: $0  

Type of Account Installment Credit Limit: $0  

Term Duration:  

Terms Frequency: Monthly (due every month) 

Date Opened: 2003/03 

Balance: $11,753  

Date Reported: 04/2008 

Amount Past Due: $0 

Date of Last Payment: 10/2006 

Actual Payment Amount: $0  

Scheduled Payment Amount: $0  

Date of Last Activity: N/A

Date Major Delinquency First Reported: 11/2006 

Months Reviewed: 43   

Activity Description: N/A 

Charge Off Amount: $0     

Date Closed:  

Type of Loan: Auto 

Date of First Delinquency: 05/2006 

Comments: Consumer disputes - reinvestigation in progress   81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2008 * * *                  

2007 * * * * * * * * * * * CO

2006 * * * * 30 30 60 30 30 CO * *

2005 * * * * * * * * * * * *

2004 * * * * * * * * * * * *

2003     * * * * * * * * * *

On 11/20/08 they changed it to this

Account Number:  

Current Status: N/A 

Account Owner: Joint Account 

High Credit: $0  

Type of Account N/A

Credit Limit: $0  

Term Duration:  

Terms Frequency: Monthly (due every month) 

Date Opened: 2003/03 

Balance: $0  

Date Reported: 11/2008 

Amount Past Due: $0 

Date of Last Payment: 06/2007 

Actual Payment Amount: $0  

Scheduled Payment Amount: $0  

Date of Last Activity: 06/2007 

Date Major Delinquency First Reported:  

Months Reviewed: 43   

Activity Description: N/A 

Charge Off Amount: $0   

Date Closed:  

Type of Loan: Auto 

Date of First Delinquency: N/A

Comments: Consumer disputes after resolution  

81-Month Payment HistoryYear Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2008 * * * * * * * * * *     2007 * * * * * * * * * * * * 2006 * * * * * * * * * * * * 2005       * * * * * * * * *

 My score went up 46 pts

Then on 11/28/08 they changed it to this

Account Number:  

Current Status: CHARGE-OFF 

Account Owner: Joint Account 

High Credit: $0  

Type of Account Installment Credit Limit: $0  

Term Duration:  

Terms Frequency: Monthly (due every month) 

Date Opened: 2003/03 

Balance: $11,753  

Date Reported: 11/2008 

Amount Past Due: $0 

Date of Last Payment: 10/2006 

Actual Payment Amount: $0  

Scheduled Payment Amount: $0  

Date of Last Activity: N/A

Date Major Delinquency First Reported: 11/2006 

Months Reviewed: 43   

Activity Description: N/A 

Charge Off Amount: $0   :  

Type of Loan: Auto 

Date of First Delinquency: 05/2006 

Comments: Consumer disputes after resolution,
Charged off account  

81-Month Payment HistoryNo 81-Month Payment Data available for

[Junejer]

This seems to be the result of the dispute, as it was well within the 30 day timeframe. The TL is taken out of the scoring model while in dispute.

I mistook your original post to mean that the dispute was completed and then they came along and changed everything up.

[gdtobefree]

My score is going to drop isn't it?

I still haven't gotten anything from them as far as the results,

TU deleted it and of course EX verified it.

I wonder how TU deleted it and the others didn't?

[Anonymous]

Your score could drop back to where it was before the dispute.

If they got your dispute on November 6th, I would wait until about the 16th for a response from them.

If no response by then, I would contact them and find out why. I would also send a MOV.