Miamijc Posted July 16, 2003 Report Share Posted July 16, 2003 Like a dolt I have been waiting for days for the other board to get back in the groove, not realizing that things had jumped over here. Oh well, now that I've found you'all again, I am desparately in need of some help.Back in May I disputed several tradelines with Experian and received good results with several deletions. However, 2 old collection accounts (previously paid off) remained. In late June I followed up with two letters. The first letter related to the two collection accounts. I used a sample from the site that cites the FCRA a couple of times, requesting procedural information. In the letter I explained that I had previously requested validation from the collection agencies, and they had not responded. I enclosed copies of the letters, but unfortunately I misplaced the green cards, so I couldnt provide them.On the same day, I also sent Experian another letter, asking them to do the following:1. fix my name2. update employer3. investigate three additional accounts4. investigate inquiriesI faxed both of these letters to Experian (about an hour apart) using fax numbers I found on the boards.Four days later, I received five letters in the main from Experian (all on the same day). The letters seemed to mix my two letters up. They provided as follows:Letter 1. Provided that the two collection accounts I made the procedural request were "previously investigated." Also stated that one of the accounts I requested for investigation (on my second letter ) was also "previously investigated." Further provided that one account was being investigated now.Letter 2. This letter looked like a form letter that basically set forth their general procedures for investigating an item "we contact the source of the information directly, by telephone, letter, or through an automated verification system..." It also stated that I should refer to the personal credit report I received for the name and address of the credit grantor who verified the information.Letter 3. SHort letter, basically provides, "Many credit grantors do not report your exact account number...If you believe the information shown with the account is inaccurate, then we will investigate the item at your request."Letter 4. "We are responding to your request to change your name on your personal credit report. We store information based on identification information provided to us by credit grantors and providers of public records. You wil lneed to contact the credit grantors to change your name. ONce you notifty them, the change will appear in our records."Letter 5. Relates to my inquiries investgation. Basically provides some bullcrap abouy permissible purposes and the fact that such inquiries are only reported to me. Of course, the ones I challenged were not the permissible purpose type. 5 days later, I got Letter 6. It asks me to send a pay stub or W-2 to update my employment info (BTW, I dont care about the employment info, I just use it as a pretext so that it looks like I am doing a total clean up, not just challenging bad entries.) The letter also provides that the one item that was investigated (see letter 1) was verified and will remain. My questions are as follows:1. Do I follow up now with an ITS letter regarding the two collection accounts?2. What do I do about their name "change" letter? I have a compound last name and they have a huge list of aka for me. I can't believe that they won't delete at least the clearly wrong ones.3. What should I do about their unwillingness to investigate items as "previously investigated"?I know this post is ridiculously long, sorry about that. I would appreciate your two cents on this matter.BTW - checked myfico EQ two weeks back - 657!!! WHen I started here in late January, my EQ on creditwatch was 503. What a difference 6 months make! I owe it all to this board. You guys rock.Jorge Link to comment Share on other sites More sharing options...
Miamijc Posted July 16, 2003 Author Report Share Posted July 16, 2003 I am updating for two reasons. the first is to bump this post. the second is that today I went homoe for lunch and there in the mail was LETTER 7 from EX. This one says that the two collection accounts were previously investigated, and also contains the standard language re: their procedures. Of course, all of that was covered by the prior letters.Is it usual to receive an onslaught of letters from EX like this? Link to comment Share on other sites More sharing options...
Miamijc Posted July 17, 2003 Author Report Share Posted July 17, 2003 Bump... Hey folks, I know my post is long and boring, but I really could use some advise from th eexperts out there. Link to comment Share on other sites More sharing options...
Swede Posted July 17, 2003 Report Share Posted July 17, 2003 Sorry about the wait, glad you found us........ 1. Do I follow up now with an ITS letter regarding the two collection accounts?To who? CRA's has a right to refuse your dispute and label it as frivolous. Since they have investigated, in their mind, you're being frivolous. You need to use different reason while disputing with the CRA's, such as not mine, balance, open date etc. Let me get it straight, you sent off DV's to the CA's. Got the card, disputed with the CRA's who verified it? If so, are the CA's noting your account that you are disputing it? If not, it's a violation of both the FDCPA and FCRA.2. What do I do about their name "change" letter? I have a compound last name and they have a huge list of aka for me. I can't believe that they won't delete at least the clearly wrong ones.Disputing names should be done over the phone, there's no need to do this via snail mail. Just call up and if they won't help, get a supervisor on the phone. 3. What should I do about their unwillingness to investigate items as "previously investigated"?Use a different type of dispute. Add the following paragraph to the letter. Someone on the board wrote it, I would love to give credit to that person but I can't remember who it was....."You are required by the Fair Credit Reporting Act (FCRA) to re-investigate my consumer dispute even though you have already verified this credit item. Enclosed is additional information unavailable to you when this dispute was previously investigated; therefore you are obligated by federal law to investigate this consumer dispute. Failure to fully re-investigate this consumer dispute is a violation of the Fair Credit Reporting Act (FCRA) and I am keeping careful records of any blatant disregard to adhere to federal law and all such willful negligence." Link to comment Share on other sites More sharing options...
Miamijc Posted July 17, 2003 Author Report Share Posted July 17, 2003 Thanks Swede. One of the CA's (BCA Financial) shows "customer disputes" on my EX report. The other doesn't show anything, so I guess they are in violation. So do I send them an ITS letter? I thought that it was the CRA's who received ITS letters for not replying to procedural requests. With respect to the BCA Financial tradeline, what happens next? Does the statement "customer disputes" stay on indefinitely? Is there some sort of procedure that is followed in these circumstances?Also, thanks for the language, I will be using it in my next letter to EX. Link to comment Share on other sites More sharing options...
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