Anonymous Posted December 11, 2002 Report Share Posted December 11, 2002 Transunion - letter stating things have been previously verified even though I disputed by other meansExperian - Almost the same thing a form letter saying already verified.Equifax - nothing yetSeems like they are just sending out this response to CHOD ...Hope notKeep on em PSGuy Link to comment Share on other sites More sharing options...
Jackal Posted December 11, 2002 Report Share Posted December 11, 2002 Yeah, I got a letetr from TU today, same thing, already verified, this is frivolous, will not reinvestigate unless you can provide information. Last time I got one of those I sent one back basically stating it was not my job to supply information it was theirs, jsut taking a chance. Got two deletes back. Link to comment Share on other sites More sharing options...
Anonymous Posted December 11, 2002 Author Report Share Posted December 11, 2002 Hey PSGuy, I am having the same problem with Experian also. I sent in proof, that I don't owe money on this particular account, and they still refused to investigate and delete it! Looks like Experian will get a file suit coming to them pretty soon [Edit by jennyjen on Friday, December 13, 2002 @ 09:54 PM] Link to comment Share on other sites More sharing options...
Anonymous Posted December 11, 2002 Author Report Share Posted December 11, 2002 Just checked my Equifax online and they did delete one collection account but also deleted a mortgage account that was paid as agreed and a 2nd mortgage that was paid as agreed that were the two strongest things on my report.Its almost like they are punishing me for disputing these were never mentioned. As a result even with the deletion my score went down 37 points...(scream)PSGuy Link to comment Share on other sites More sharing options...
Anonymous Posted December 12, 2002 Author Report Share Posted December 12, 2002 still waiting here. Link to comment Share on other sites More sharing options...
Anonymous Posted December 12, 2002 Author Report Share Posted December 12, 2002 Still waiting and holding my breath here too :ooh: Link to comment Share on other sites More sharing options...
illegal_alien Posted December 12, 2002 Report Share Posted December 12, 2002 http://www.debt-consolidation-credit-repair-service.com/cgi-local/cutecast/cutecast.pl?forum=1&thread=1768Experian was real quick to reply so far... isasking me to provide more details. I wish Ihad saved my 1094 form I received so that I can send showing I made a payment.... Link to comment Share on other sites More sharing options...
life Posted December 12, 2002 Report Share Posted December 12, 2002 Nothing so far -I checked all of our reports and nothing have been marked and no lettes aor anything...All letters have been recieved by tu.ex.eq all green cards back to me just waiting to see what happens Link to comment Share on other sites More sharing options...
smogtek Posted December 12, 2002 Report Share Posted December 12, 2002 Sent 12 out on 2 December. As of today all green cards are back. I only use CreditExpert to monitor right now and all 5 CHOD disputes are showing blue.Keeping my fingers crossed that the local county recorder will drop the ball on these. Link to comment Share on other sites More sharing options...
Anonymous Posted December 12, 2002 Author Report Share Posted December 12, 2002 All green cards are back.EX said that I did no give enough info to investigate, so I sent another CRRR with the id info stating that they got the proof in the previous communique.EQ has not responded and nothing is marked in dispute. I am waiting for the 30 days to end and I will demand deletion.TU no response. They don't mark indispute onine, so I am not sure of the status. Once again, I will wait the 30 days then demand deletion. Oh, 1 more CA gone from EX from a dispute that I started prior to CHOD. Link to comment Share on other sites More sharing options...
Anonymous Posted December 12, 2002 Author Report Share Posted December 12, 2002 More Experian back today same thing...previously verified , not enough information same b**ls**t not looking good. As a side note I might have jumped the gun sending mine they went out Nov 21st with cards back signed on the 28th...PSGuy Link to comment Share on other sites More sharing options...
admin Posted December 12, 2002 Report Share Posted December 12, 2002 I'd try disputing again with something like: "Here are the details of my dispute which you requested <insert balance information, date account opened, etc>". Link to comment Share on other sites More sharing options...
kimber6337 Posted December 13, 2002 Report Share Posted December 13, 2002 I'm not having good results either. Got a few results back with updated no change (they aren't investigating ****, just looking at their tapes and pushing the reject button), so I've already redisputed with other items, balance, amount, dates... Link to comment Share on other sites More sharing options...
vonniegirl Posted December 13, 2002 Report Share Posted December 13, 2002 I did one of those online dispute forms to all 3 Credit Reporting Agencies on 12.2.02.I received a new credit report with one of the judgements deleted.At the same time I did a DV to AFNI collection agency.I received a letter from them stating they will notify all three CRA's to delete because they could not validate Link to comment Share on other sites More sharing options...
creditfix Posted December 13, 2002 Report Share Posted December 13, 2002 <blockquote>Originally posted by PSGuyJust checked my Equifax online and they did delete one collection account but also deleted a mortgage account that was paid as agreed and a 2nd mortgage that was paid as agreed that were the two strongest things on my report.Its almost like they are punishing me for disputing these were never mentioned. As a result even with the deletion my score went down 37 points...(scream)PSGuy</blockquote>So sorry to hear that. TU did that to me last month - you can ask the OC to put the info back on if it was correct. Isn't there something in the FCRA we could use to make the CRA put them back on?!!! :notsure: Link to comment Share on other sites More sharing options...
Anonymous Posted December 13, 2002 Author Report Share Posted December 13, 2002 I disputed several items on each of the three CRs starting in May and again a few months later, then just again this month -- with only one response. Experian sent me the usual “verified” report on three accounts that I told them were fraudulent. I even reported the accounts as stolen ID with some lady on the phone and was assured they would investigate each one. Nothing, nada, reply. I have concluded that they just don’t care and are in the pockets of the collection agency mob.So, I would say my latest attempt to get information from them was in vain. Link to comment Share on other sites More sharing options...
georgiaboy Posted December 13, 2002 Report Share Posted December 13, 2002 HAS CHOD HIT A BRICK WALL, ARE THE EVIL CRAS FULLFILLING THERE DEVILISH DEEDS, TUNE IN NEXT WEEK, SAME BAT TIME, SAME BAT CHANNEL....there response only proves what ive known for along time, cras are the south end of a north bound donkey..oh my, that would make them a**holes Link to comment Share on other sites More sharing options...
ALF Posted December 14, 2002 Report Share Posted December 14, 2002 Vonnie,The same thing happened to me with AFNI. I sent them a DV letter and they sent me a reply that they couldn't validate so they were removing. EQ and EXP have already removed but of course TU being slow as the dickins has not. I just faxed the letter from AFNI to TU yesterday, so hopefully they will be gone from this report some time next week. They did delete my paid judgment so one this CA is gone, my TU report will be clean!! Unfortunately, EXP still has 3 derogs and EQ still has 2 derogs. EQ refuses to do anymore investigations and EXP is investigating my judgment. So we will see what happens...A Link to comment Share on other sites More sharing options...
vonniegirl Posted December 15, 2002 Report Share Posted December 15, 2002 Congrats on the deletions Alf Why did they NOT want to investigate anymore..did they say in the letter?TU just trying to play catch up with the other two CRA . Do you think they feel like the step-child to the big boys? Well, we'll keep chipping away at them Link to comment Share on other sites More sharing options...
ALF Posted December 15, 2002 Report Share Posted December 15, 2002 Vonnie,Thanks for the congrats! I guess that the same goes for you also with AFNI! EQ said that they would not reinvestigate anything else (only 2 derogs left-Paid judgment and Paid collection for $63 nonetheless) because they have already been investigated once. What I did was for the paid collection was use the "nutcase" letter from DOC over at CNet (sorry Kristy!!) and the way that that works is to NOT dispute during this period. So they wouldn't reinvestigate my judgment so as far as CHOD goes for EQ, I have not had much success. I have had a lot of success with TU, EXP still up in the air!A Link to comment Share on other sites More sharing options...
smogtek Posted December 16, 2002 Report Share Posted December 16, 2002 Sent 5 CMRRR to EX on Dec 2. Got the green cards back on Dec 11.Of the 5, one was a duplicate of one of the other 4 and I noticed yesterday on CreditExpert that my public records went from 5 to 4, so at least they read the letter. Results are due Jan 4, so my fingers are crossed.Good luck to the rest of you. Link to comment Share on other sites More sharing options...
smogtek Posted December 17, 2002 Report Share Posted December 17, 2002 Got an "updated" report from EX today - NOTHING has changed.Oh wait, they did say that they think they "could better address my concerns if I called them".Yeah right, and then they can add 15 days to the investigation. I don't think so. Link to comment Share on other sites More sharing options...
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