Northern Lights Posted July 19, 2005 Report Share Posted July 19, 2005 1. Cavalry Portfolio letter dated 04/15/05 for ATT Wireless/Cingular account for 181.622. Letter advises I have 30 days to dispute account and they would obtain a copy or verification and mail it to me.3. On 04/19/05 I send out my letter disputing with certified mail receipt and return receipt request.4. I advise Cavalry account is not mine and the cell phone number that is listed with area code (260) which is from INDIANA. I did a reverse look up on the yellow pages for the area code to find this information out. I live in Pennsylvania no where close to any numbers for any area code in PA.5. I did not get a response from Cavalry or verification of debt. I check mycreditkeeper today and lone and behold Cavalry is listed under equifax and on transunion with no account number.6. In the remarks section on the report it states consumer disputes account. I never disputed with the credit bureaus, and the account was just put on this week. Cavarly knows I disputed with them and they even put that in the remarks, while at the same time never verifing the debt.7. So now I have my Certified Mail Receipt and letter signed by Cavalry agent and failure to verify the debt. The only way they verified the debt was to put it on my credit report. So how many violations do I have and for what?Thank You Link to comment Share on other sites More sharing options...
Northern Lights Posted July 19, 2005 Author Report Share Posted July 19, 2005 Side Letter:I did dispute with Equifax today over the phone with this listing.I tried calling Transunion to dispute and they related it was not showing on my transunion. I told them it's showing up under transunion on mycreditkeeper. They said it wasnt there so no dispute can be filed. What do I do here other then make a copy of mycreditkeeper report? Do I wait until they verfiy from Equifax, before proceeding against them? Link to comment Share on other sites More sharing options...
codename_fortyseven Posted July 19, 2005 Report Share Posted July 19, 2005 Northern, dispute IN WRITING, CMRRR. Not over the phone, not online, not via fax. How are you going to prove when you disputed in court? Link to comment Share on other sites More sharing options...
admin Posted July 19, 2005 Report Share Posted July 19, 2005 Northern, dispute IN WRITING, CMRRR. Not over the phone, not online, not via fax. How are you going to prove when you disputed in court?They usually give you a confirmation code, but yes, it's usually better to dispute in writing. Link to comment Share on other sites More sharing options...
ghacorp Posted July 20, 2005 Report Share Posted July 20, 2005 All seems proper. Disputed remarks were done. It can take a long time to obtain proof, that's why accounts are notated in dispute. I had to wait 18 months on an account. Link to comment Share on other sites More sharing options...
birdiedog Posted July 20, 2005 Report Share Posted July 20, 2005 Northern, dispute IN WRITING, CMRRR. Not over the phone, not online, not via fax. How are you going to prove when you disputed in court?can a response to an email sent be considered as documented? Link to comment Share on other sites More sharing options...
KentWA Posted July 21, 2005 Report Share Posted July 21, 2005 By posting to your CR after receiving DV you have them on continued collection activity. I would suggest one of two courses of action on disputing with TU. Either submit it online via MyCreditKeeper, or dispute it via CMRRR directly to TU. MyCreditKeeper is required to forward your dispute to TU. Link to comment Share on other sites More sharing options...
Xanathos Posted July 21, 2005 Report Share Posted July 21, 2005 No he doesn't, Ken. There are numerous case laws/FTC letters out there that state the CA *can* put the tradeline on the report while in "dispute" mode so long as it is notated as such. HOWEVER, they can't verify it as true and accurate if the consumer disputes with the bureaus until they've verified, as that would be continued collection activity. Link to comment Share on other sites More sharing options...
THE_PROSELITIGANT Posted September 19, 2005 Report Share Posted September 19, 2005 SOME PEOPLE LIKE SLIKYS , THEY BRING A SMILE IN YOUR FACE WHEN YOU PUSH THEM FLIGHT DOWN THE STAIRS,YOU REAL FUN BRO!!!! HEHEHEHEHEHEHEHEHEHE:) Link to comment Share on other sites More sharing options...
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