workinninetofive Posted October 15, 2004 Report Share Posted October 15, 2004 I DV'd an OC... they have 2 entries on my EQ. One is a charge off, closed account.. the other a 120+ days late, closed account. They have added a 3rd!!! This one is a charge off, that is open. Two have identical account numbers and the third a very similar #. This acct is $3561, they are reporting over $10,000. I sent EQ about four dispute ltrs. All times they said verified. I found this board, and this last time sent it w/the green card. This ltr was "this is a copy of the dv to the oc, you say verified how". When can I sue? Is there anything additional for adding this 3 times? Link to comment Share on other sites More sharing options...
willingtocope Posted October 15, 2004 Report Share Posted October 15, 2004 While the FDCPA doesn't apply to OCs, the FCRA does. If they're reporting the same account 3 times, I would bet that's a violation. You might want to send a CMRRR to the executive offices pointing out their mistake (don't bother calling) and mentioning just in passing that if this isn't corrected with 15 days, you will consult with your attorney to determine further action.(You probably want evidence that you attempted to correct this amicably before you bring suit) Link to comment Share on other sites More sharing options...
Recovering Attorney Posted October 15, 2004 Report Share Posted October 15, 2004 Yes, the problem is with the OC, not necessarily the CRA. Dispute under the FCRA with teh OC. If they don't answer within 30 days, dispute again with the CRAs, advising that the OC has not validated to you, so the item is unverifiable and thus suspect and shold be removed. Link to comment Share on other sites More sharing options...
workinninetofive Posted October 15, 2004 Author Report Share Posted October 15, 2004 I dv'd the OC at the end of september.. I sent EQ a copy about 10 days later.. (I didn't know that I should wait longer). I did inform EQ that the OC has not provided proof. They received this ltr a which was around Oct 9. Should I hold off and see what comes of EQ investigation? Do I hold off the 30 days to hear from the OC? Sorry for all the ?s first time that I have done anything like this. Thanks!! Link to comment Share on other sites More sharing options...
Recovering Attorney Posted October 16, 2004 Report Share Posted October 16, 2004 On the 36th day after the OC received your letter, send EQ another dispute w/ a copy of your letter to the OC. Complain that they have not responded to your FCRA request o ntime, so the item is unverifiable and should thus be deleted. Link to comment Share on other sites More sharing options...
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