Ha! I'm finally finished compiling all of my proofs against Sun Trust Bank, and hope to get it all off to the attorney by Friday. (My daughter needs my car this week ... so.... 
The binder I have organized it all into, is now some two inches thick! It contains all copies of each and every credit alert received that pertains to this account, as well as all correspondence received from Sun Trust and the CRAS, as of late.
The binder I have organized it all into, is now some two inches thick! It contains all copies of each and every credit alert received that pertains to this account, as well as all correspondence received from Sun Trust and the CRAS, as of late. Of course, the only correspondence I've received from the CRAS are the verifications, supporting Sun Trust's claims that I am currently in arrears, which of course I am not. I even managed to get Sun Trust to send two letters, on their letterheads, which state they are in the process of updating/correcting the information with the CRAS. I don't suppose it matters that the letters are rather evasive, and I fear the Bad Debt/Collection status will remain the same. The letter reads as follows:
Dear . .................:
We are in the process of notifying all three of the credit bureaus to advise that the above referenced account should accurately be reflected as charged off, paid in full as of 09/08/2004. (Will this go into the status bar, or will it remain in the comments, not changing the current status as Bad Debt/Collection? We'll see! Also, will this keep newly reported/current late payments and recent/new charge offs from appearing and wrecking the scores? I doubt it. There is nothing in this letter that suggests the same, or that acknowledges that Sun Trust reports erroneous information. Evasive, indeed! Remember, the DOLA on this account was 11/2002. The charge off occurred 02/2003. I paid this charge off, in full, on 09/2004). Upon their receipt of the updated information from us, the Credit Bureaus are responsible for updating your account with the information that we provide them. Please use this letter as a reference for your account until the request update has been processed by the bureaus.
You may contact the credit bureaus directly at the telephone numbers listed below:
Experian: 800-525-0689
Equifax: 800-685-1111
TransUnion: 800-916-8800
If you have any additional questions or concerns, please contact us at the number listed below.
Sincerely,
so on and so forth.
I, indeed, attempted to contact them, regarding this letter, and faxed them some 11 sheets validating their erroneous reporting, in an attempt to get them to acknowledge the fact. They sent me the same (above) letter, in response. They have yet to respond to my DV letter.
When I called the referenced number, yesterday, I was unable to speak with someone, in particular, Mr. XXXXX, as they have just (recently) changed the way one is able to dispute with them. Now you are not able to speak to anyone, it would seem, about a decrepency. A recording comes on telling you to either contact the CRAS or write to Sun Trust Bank, providing proof of your identity as well as proof of the decrepency.
It would be interesting to know just how many disputes they've got going that would have prompted them to change the way they do disputes. There must be many.
Couldn't have done this without you guys! And I thank you!
me
Message Edited by MercyMe on 06-05-2007 04:35 AM
I think we are missing your letters.
Ahhhh! I know, Tusc. I hit tab, again. Had to edit. It's habitual, you know? By the way, I've got my sons working on that math problem of yours. They're attempting to define some of the symbols they aren't familiar with. 
) They're having a good time! Just don't tell me that it can't be solved, huh?
They're attempting to define some of the symbols they aren't familiar with. ) They're having a good time! Just don't tell me that it can't be solved, huh?
Thank you, Princess! This is such a relief -- after a year spent fighting these people -- and especially having worked so hard, for 4 long years, and not having made one, not one, single late payment -- I could just cry!