i disputed a collection that is not mine. it came back with 1 cra out of 3 as verified. i was told no re-investigation allowed and that the verification included the collection agency providing my name, ssn, and address and that no debt validation was necessary since it was disputed as not mine.how do i go about getting this item removed. who do i send my debt validation letter to? it doesnt seem like sending it to the collection agency would help. even if it isnt validated, they wont remove it from my cr. and the cra is telling me no further investigation.what do i do?
yes, TU and EQ deleted and said the item was "unverifiable". EX refuses to delete or reinvestigate. i have pretty much given up on my EX credit report.