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Results from Experian online dispute. What is my next step?


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I just received an e-mail from Experian stating that the results of my dispute were available online. I disputed online that this account was not mine. These are the results:

Credit Items

FIRST USA BANK

Account Number: XXXXXXXXXXXXXX.... Outcome: Updated

FIRST USA BANK

Address:

PO BOX 8650

WILMINGTON, DE 19899

Account Number:

XXXXXXXXXXXX.... Mortgage Id:

Original Creditor:

Status:

Closed/Account charged off. $2,033 written off.

Date Opened:

03/1993

Reported Since:

10/1999

Date of Status:

04/2005

Last Reported:

04/2005 Type:

Revolving

Terms:

NA

Monthly Payment:

$0

Responsibility:

Credit Limit/Original Amount:

$2,500

High Balance:

$2,600

Recent Balance:

$0

Recent Payment:

$0

Account History:

Charge Off as of 10-1999 to 3-2005

Your Statement:

NA

Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)

Creditor's Statement:

Purchased by another lender.

What should my next step be? Do I have to wait until October 2006 for this to fall off?

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Well, from the very last statement, it looks like they have sold it to yet another JDB. You can try sending the CA a DV letter and see what happens. Wait at least 60 days, and try disputing again using a different reason.

Thanks for the advice. I have not received anything from a collection agent regarding this account, so I have nobody to DV. I will take your suggestion and try disputing after 60 days using another reason.

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Is this past the SOL in your state? If so, I would send them a letter stating it's past the SOL, and they can't collect or report it. Someone posted something about this already, but I don't know where the thread went. :?

Anyway, you can find the address and name of the CA on your credit report, unless it's the OC.

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Is this past the SOL in your state? If so, I would send them a letter stating it's past the SOL, and they can't collect or report it. Someone posted something about this already, but I don't know where the thread went. :?

Anyway, you can find the address and name of the CA on your credit report, unless it's the OC.

This entry on my report is from the original creditor. I have no entries in any of my credit reports from any collection agencies or JDBs. It seems like I have to wait until the full 7 yrs are up unless I get lucky.

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