Had a 30 day late pay in Feb 2006 that I am trying to dispute on a credit card. I sent in and requested that they verify in writing. Experian responded that they contacted the source of the information through an automated verification system or letter. They ask the source to check their records and respond, blah blah blah. Then it says " According to the FCRA), a national consumer credit reporting company's role in the dispute process is to investigate information to determine the accuracy and completeness of any disputed item by contacting the source of the information and informing them of all relevant information regarding the customer's dispute. If the issue is not resolved, then the consumer credit reporting company must offer to include a consumer statement on the personal credit report. The FTC does not require that the consumer credit reporting company obtain documentation, such as the actual signed sales slip, signature cards, contracts, nor does it require that the consumer credit reporting companies act as mediators or negotiators in account disputes."
Um I asked for written proof/verification of the late bill. They have not provided me with that or how they verified except the above info. Next to the disputed account, it says item disputed by consumer. It says verified/updated Oct 2007.
So what is next? It is an active card that I have had for a long time but I was never late on. In addition, this is the CRB that has allowed a CA to do two hard inquiries for permissible purpose. The info on it says:
Nationwide Credit INC 10/17/07 reason: Permissible Purpose.
I never gave permission for a CA to check my credit, nor did I initiate a credit transaction with them. So I need to get the late off and then these 2 inquiries. One was also done in Jan 07 with the same reason. It says nothing of a collection. This is the one where Amex sent my blue card to collections and wanted the balance when I had lates. No 30 day lates but several late payments (1-2 weeks) for a couple of months. The collection is not reporting just the inquiries.
So what next. I want the 30 day late pay off as well as the inquiries. I was waiting for the investigation to come back before addressing the inquiries.
