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What do CRA's use to confirm the debts with disputes?

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mere2368
New Contributor

What do CRA's use to confirm the debts with disputes?

There are three major issues that I have disputed on my credit multiple times, and each time they get confirmed.  I don't understand what the CRA's use as confirmation? Just the creditor saying yea they owe the money?  I had one creditor even tell me there was NOTHING they could send me to verify the debt, yet the dispute came back as confirmed and no action taken.  I am at a loss.  I am to the point of filing a lawsuit against one of them, but that is a long story for a different post (and yes I am going to post it... just have to get the time).  Today I filed CFPB and BBB complaints against the creditors and the CRA's.  I am so frustrated.  

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DaBears
Senior Contributor

Re: What do CRA's use to confirm the debts with disputes?

They use e-oscar which most of the time is inaccurate and useless as it sends a two digit code.

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