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OC responds to my direct dispute

Regular Contributor

OC responds to my direct dispute

I requested Credit One Bank to investigate a charge-off reported on my report by them in 2008. They responded with " Thank you for your recent inquiry, the ownership of this account has been transferred to Sherman Financial Corporation. We have forwarded your inquirty to them on your behalf."


My inquiry? It was an investigation request!

Credit One did not investigate like I requested.

They forwarded my personal information and letter to a 3rd party. Sherman does have the same city as a CA listed on my reports that I sent a DV letter to, but has not responded in 48 days.


Is this allowed?

Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720

Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
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Epic Contributor

Re: OC responds to my direct dispute

I believe whether they still own the account or not they are required to investigate since they are reporting.


I would write them another letter and tell them that.

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