Super dumb request! Can't find letter to OC to dispute triplicate reporting!!!

[LuvsRetro]

I have destroyed what brain cells were left for todays usage -  I think I'm at 98% uti -- not good!!!

re:  Son's Equifax:

I have been searching out the forums off and on today trying to find a letter to dispute Harrison Finance which is reporting one account as three charged off accounts.  Account was Opened 1/2000 reports - DOLA 4/2002. 

Each account is reported with same money, same opened date, but reports a slight variation of the account number;  i.e. XX79 1, XX0791, XXXXXX0001, and a slight variation of the name; Harrison Finance, Harrison Financial, Harrison Financial Service.

However, my son says it should have been included in BK 7 -filed 07/2000.  

Disputes were sent to Equifax, they came back verified. 

So, where is that letter to send Harrison, they are the original creditor.

Message Edited by teamfico on 03-21-2008 01:53 PM

[Anonymous]

Send the OC letter to the OC   also send the CRAs  the BK case #   tell them that this TL was included it the BK

OC letter

HSBC Card Services
Attention: Bureau Dispute Processing
PO Box 19360
Portland

August 2, 2007

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/chargeoff. I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified". I did not have an account with HSBC during this time period.

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.

I will seek legal action under § FCRA 623 (b) for violations of the FCRA if you do not comply and respond to me with the results of the investigation whithin 30 days of your receipt of this letter.

In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. 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.

To avoid a lawsuit, I request that you remove account from my credit report. Please delete this listing or I will be forced to seek legal action.


Sincerely,

[LuvsRetro]

Thanks so much Happy!!!

That's the one I was looking for!