Hoping for some good vibes and deletions y'all!!
These are also currently in dispute and have yet to be validated on any CRA, hoping the email sparks them to action sooner!
I emailed every single board member I could find an email for here's hoping for the best!
Subject line: Notice of dispute accounts XXXXX and XXXXXX FCRA DISPUTE
To Whom It May Concern,
This is a notice of direct dispute with you, under the provisions of FCRA 623(a)(8)(D), of the accuracy of information and ownership of said accounts which you have posted to my credit file. Account numbers XXXXXXX and XXXXXXX. For both accounts, the dates of last activity, payment histories, statuses, and other details listed on these accounts and included within this email do not align across all bureaus.
After further investigation on my part, I am also concerned that these accounts do not belong to me as I have never willingly opened any account with First Premier Bank, nor do I have any prior knowledge of said accounts. In compliance with FCRA 623(a)(8)(D), and enacting regulations published at 74 Fed Reg 31484 (July 1, 2009), this notice includes:
Identification of the specific information being disputed in reference to credit reporting bureaus: Transunion, Experian, and Equifax which are reporting for Account numbers XXXXXXX and XXXXXXX under your financial institution.
Basis for the dispute:
Account XXXXXXX
Date of last activity:
Equifax - 2/2015
Experian - 6/2015
Transunion - not reported
Closed date:
Equifax - not reported
Experian - 4/25/2015
Transunion - not reported
Payment history:
Equifax - not reported 1/15-11/15, charge off 12/15-11/17 not reported 12/17
Experian - not reported 1/15-12/15, charge off 1/16-12/17
Transunion - not reported
Worst Delinquency:
Equifax - 120+ days past due
Experian - charge off - other derog
Transunion - not reported
Terms:
Equifax - not reported
Experian - revolving
Transunion - not reported
High balance:
Equifax - not reported
Experian - not reported
Transunion - $474
Payment Status:
Equifax - charge off
Experian - unpaid balance reported as a loss by credit grantor
Transunion - charged off as bad debt
Company name:
Equifax - first premier
Experian - first premier bank
Transunion - first premier bank
Remarks:
Equifax - charged off account
Experian - not reported
Transunion - unpaid balance charged off
Account XXXXX
Date of last activity:
Equifax - 2/2015
Experian - not reported
Transunion - 6/2015
Closed date:
Equifax - not updated
Experian - not reported
Transunion - 4/25/2015
Payment history:
Equifax - not reported 1/15-11/15, charge off 12/15-11/17 not reported 12/17
Experian - not reported 1/15-12/15, charge off 1/16-12/17
Transunion - not reported
Worst Delinquency:
Equifax - 120+ days past due
Experian - charge off - other derog
Transunion - not reported
Terms:
Equifax - not reported
Experian - revolving
Transunion - not reported
High balance:
Equifax - not reported
Experian - not reported
Transunion - $747
Payment Status:
Equifax - charge off
Experian - unpaid balance reported as a loss by credit grantor
Transunion - charged off as bad debt
Company name:
Equifax - first premier
Experian - first premier bank
Transunion - first premier bank
Remarks:
Equifax - charged off account
Experian - not reported
Transunion - unpaid balance charged off
As previously stated, I also have no knowledge of said accounts nor did I open said accounts listed in my direct dispute in this communication, and ask that these accounts officially be removed from my consumer reports specifically Transunion, Equifax, and Experian as I in no way opened, approved, or took them out.
Under the provisions of FCRA 623(a)(8)(E), you have the duty to review all of the information in this notice of dispute, to complete your investigation, and within 30-days of my notice of dispute. In addition, I humbly request that you provide me with the following information:
- A complete transaction and payment history.
- A copy of any and all signed contracts or agreements proving ownership of account.
- The total outstanding balance you believe that I owe.
- IP addresses of the computer(s) used to facilitate application for previously mentioned accounts, if the account was applied for online.
- Any and all payment account information for accounts and banks utilized to facilitate any payments to this account.
- A complete list of any and all purchases, dates, times, retailers, and locations of any purchases you believe I am responsible for.
- Any and all other pertinent additional information identifying me as the account holder of previously mentioned accounts.
I would be more than delighted to if necessary provide you with a copy of my drivers license to allow you to verify that you are speaking with and replying to me.
Sincerely,
XXXXXXXXXXXXX
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comments and suggestions welcome, still hoping I luck out with the CRA disputes but I figured this wouldn't hurt.
