OC Problem, Partially addressed, but not fixed yet

[Anonymous]

I had an entry on my CR from an OC. The card was a prepaid card from a former employer used for bonuses etc. I wasn't required to make any payments. Anyway, they listed me as late on my CR, and told me I should have been making payments. I sent them a modded DV letter telling them I wasn't supposed to pay, blah blah blah.

They never sent a response, but updated both TU and EQ reports to "current/paying as agreed" and they no longer show lates. However, EX shows as current, was past due 90 days. I don't really understand how they would be reporting differently to different CRAs, but I want to get this fixed, since it is my only recent baddie. Should I dispute again with EX or go back to the OC here?

I never received any formal response from the OC, they just updated after my DV letter.

[llecs]

A DV letter is for CAs only. And a DV letter is to dispute unpaid debts, not lates.

Send them a GW letter and ask them to remove the lates off of EX.

[Anonymous]

The reason for using a modified DV here was to dispute the validity of the account and why it was posted to my CR in the first place. I never actually signed up for credit for this account, but the account was mine. However, it shouldn't have been reported.

So basically I merged and OC letter with a DV, and they magically fixed 2 of 3 CR. I never made any payments on this account, never, so that's why I am reluctant to send a GW here. The account shouldn't have been a reporting account. I would have been perfectly happy had it been completely deleted, since the history means nothing (barely a year).

[Anonymous]

then you have a violation of the FCRA in your hands - something you can pursue legally agaist them. i would send a strongly worded letter to the effect "I think this reporting is incorrect and in violation of the FCRA - I hope to resolve this amicably, if you can remove this account from XXX with X days. Failing to resolve amicably, i would not hesitate to use all the legal remedies available to me. thanks in advance, xxx"