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I recently disputed an LVNV trade line with EQ & TU. Of course, both came back "Verified". I sent the following letter to both companies certified with return receipt. Dear Consumer Relations, After receiving and reviewing the results of a recent dispute filed with your company, I am now requesting the method you used to verify certain items on the credit file dated XXXXX. FCRA (a)(6)(B)(iii) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limit
I sent a dispute letter to all 3 CRAs on October 2018. I disputed DOFD, DOLP, Payment amount, Date Open and Date Closed. Within 30 days I received responses from all three verifying the information. Equifax verified: Date Opened: 3/31/2017 Date Closed: N/A Date of Last Payment: N/A Date of First Delinquency: July/2015 However they listed this account as OPEN with a Charge Off Amount of $0 and a payment history reporting late every month for 15 months! Experian verified: Date Opened: 3/31/2017 Date Closed: N/A Date of Last Payment
I just started my credit repair journey after several years of letting it tank. There are several creditors who charged off different accounts, but continue to report new activity every month ($0 payment). A friend suggested to send a dispute to the data furnishers with a contract of adhesion. Ask them to remove all the negative activity that is re-aging a closed account. Then tell them that they will be entering into a new agreement, a sort of defamation contract, that specifically prohibits arbitration, that their consent will be indicated by their verifying or reporting info