@annakathleen wrote:
Ok. I have learned the hard way that when you do an online dispute eOscar is the way they investigate and all the CA has to do is click a few times and bam. Dispute status of "remains" shows up on my online dispute console. It is NOT A VALID DEBT for crying out loud!!!!! This is NOT a frivilous dispute!!!! AHHH frustrated!!!!
I thought for a brief second that I saw as a reply to a post on here, a letter(author unknown) requesting an investigation that was NOT done through eOscar. I have searched and searched and can't find it again. Is that possible to fax the CRA a dispute, and demand that the CA send actual documented validation of a debt? sorry if I am overlooking it, but I can't find that letter I saw anywhere......
Are you refering to a direct dispute with the creditor? That would be the prefered dispute process because it does not get sanitized through eoscar...
You can also do a method of verification to the CRA.. this will provide you with some additional information..
The only way you can demand any 'actual documentation' of a debt would be in legal discovery with the CA, via a lawsuit.
-scott
Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
