How to stop repeated inaccurate info posted to credit record?

[Anonymous]

Since identity theft 2006 that took my credit scores from mid 700s to low 500s, I've managed to clear off the bad accounts and have attempted to reconstruct my credit.  Currently scores are 769 TransUnion, 751 Exquifax and Experian was 721 when Broker pulled credit 30 days ago when preapproved for mtg.  I use two watch servcices and keep very close watch on my credit report. Since January CheckRite has posted collections dating 2005 - 2006 for $138 Jan, $171 Feb, $175 Mar and now $177 Apr on Experian only.   Each month alerts fire, I review the collection and I dispute online.  Each month they are removed.  But before my score can recalculate, CheckRite posts collection when they submit data to Experian.  NONE OF THESE ARE MINE, but I'm suffering with my score being negatively impacted.

What can I do to stop this insanity?  How is  it I successfully dispute but each month a new one shows up?  What obligation do Credit Bureaus have to verify submitted data.  BEFORE posting?

[Anonymous]

If they were removed due to dispute and the CRA put them back, they have to notify you within 5 days of the reinsertion.  If they aren't doing that they are in violation of the FCRA.

I think right now the best thing to do would be a direct dispute with the creditor per FCRA 623. 

[Anonymous]

Thanks, but that only applies if the collection detail is the same...they change the dollar amount each month.  Therefore Experian sees each as a new, distinct item.

[Anonymous]

I am not sure where you got that from.

The direct dispute with the creditor is just that.  You can dispute the amount, how they are coming up with the amount, it isn't yours, whatever you choose to dispute.

They, the creditor, has 30 days to respond.  They will need to show you what you ask for.

[Anonymous]

I've disputed with Experian.  Plan to call the CA who will merely recite the detail reported and have already drafted a 623 letter demaning investigation and production of documents/records substantiating their claim.  I guess I'm just pissed that Credit Bureaus, CAs and OCs can cause such havoc on credit scores and to rectify, requires excessive energies and efforts on the part of the consumer. $1000 doesn't seem to be a painful enough penalty!

[Anonymous]

I would not call the CA, I would send them a DV letter.

And you are correct, it is harder for you to prove it is not yours than for them to prove it is.