hendu Posted December 8, 2004 Report Posted December 8, 2004 I sent an online dispute to EXP on 12/02/2004. I get a letter back today, 12/08/2004 saying that the item still remains? WTF?? They can possibly have done an investigation within 6 days, or could they have? This has never happened and I dispute online alot! Any suggestions? Why is it with EXP that I have NOTHING BUT problems?
miracle Posted December 8, 2004 Report Posted December 8, 2004 Probably didn't actually investigate it... Send a procedural request and see what happens from there. They only have 15 days to respond. I would wait to send the PR until the 35 days for the dispute is up because I have heard of them sending a verified letter but they end up deleting it anyway. Here is some info on PR: http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=22819
miracle Posted December 8, 2004 Report Posted December 8, 2004 Here is another good thing to read up on reguarding verification practices of CRA's http://www.naca.net/BennettFCRATestimony.pdf
hendu Posted December 8, 2004 Author Report Posted December 8, 2004 Miracle, what do you mean they end up deleting it? Do you mean the letter or the entry. I didn't quite follow you. Thanks for the reply.
miracle Posted December 8, 2004 Report Posted December 8, 2004 Sorry Sometimes they delete the item off the CR you are disputing. But you want to wait till the dispute time is up anyway. So ...35 days from the day they recieved from the dispute, send a procedural request if you don't see it has been deleted
LuuCkyJaa Posted December 9, 2004 Report Posted December 9, 2004 I came to this forum specifically to post about this topic, and was amazed to find this post at the top of the list. At least I know I'm not alone.I disputed 6 accounts online with EXP on 12/05/2004. I visited their website this evening to make sure they were being investigated. The message "This item is currently being investigated." appeared above five of the listings, but not for Cavalry Portfolio Services. A few more clicks and I came to a screen saying that the item "Remains." I called and verified that this meant their investigation was over.It's obviously not over for me. I am going to start by following miracle's links (THANK YOU!!!) and take it from there.@hendu: Is it an OC or CA that "remains" so quickly in your case?
hendu Posted December 9, 2004 Author Report Posted December 9, 2004 LuuCkyJaa, it is from an OC! For a late pay.
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