Equifax deleted but Transunion didnt

[CreditGuy03]

I re-started everything and sent a Pre-Hippa to the CRA. Equifax deleted in 5 days. Transunion took a month and says it came back verified today the say. What do I do?

[fused]

Have you opted-out with the CRAs and with your creditors? Is the address on your reports accurate? Is the collection paid or unpaid? If unpaid, can you afford to pay off in full? Is this collection marked as verified on your TU report

[CreditGuy03]

Is that a copy and paste response LOL?

Yes I opted out, the balance was paid to the OC last August. Trans took 30 days and on the last day they said it came back verified.

That is hard to believe. I think if they (TU) doesnt get a specific response from the CA, or OC then they dont change anything.

I just sent a MOV to TU to see if they will change anything. That is unnaceptable verification

[fused]

In all honesty, an MOV letter is a waste of time. Since TU verified your paid med collection, I'm almost certain it was an electronic MOV - aka E-Oscar. Somehow you probably didn't have a human investigate your dispute.

E-Oscar

I assume the CA never sent you proper validation? Its very important you answer this question: Is this collection marked as dispute and verified on your TU report? Or something to the effect that "meets FCRA requirements"?

[fused]

also, you didn't mention if this collection is paid or unpaid.

[CreditGuy03]

    Balance: $ 0

Date Verified: 12/2008

Original Balance: $ 181

Original Creditor: XXXXXX

Past Due: $ 0 Pay Status: >Payment after charge off/collection<

Account Type: Open

Account Responsibility: Individual

Account Date Closed: 08/2008

 Date Paid: 08/2008

 Loan Type: Open Account - Collection Agency Attorney

 Remark: Account information disputed by consumer

Date placed for collection: 03/2006 Estimated date that this item will be removed: 01/2013

[CreditGuy03]

The date verified is 12/2008. Yet they tell me today it is verified and no change. They didnt even update the date of verification

Lazy TU

[fused]

And, the collection agency never sent you proper validation?

[CreditGuy03]

No the CA never sent validation.

[fused]

Ok! Your next steps would be the following:

Since TU verified your paid collection but the CA did not provide an accurate and complete validation, send this letter to the CA.

ALTERNATIVE MED DV LETTER TO THE CA

After you receive the green card for the Alt Med DV letter to the CA, mail this follow-up dispute letter along with a copy of the green card from the ALT DV letter to the CRA(s) CMRRR.

FOLLOW-UP DISPUTE LETTER (2) TO THE CRA'S