pjjohns Posted January 14, 2006 Report Share Posted January 14, 2006 I sent a letter to the OC of an acct iib Discharged in 2004 and still being reported as an open collection. The OC also sold the account to another CA so it appears twice on my CR. My letter told them that they were in violation of FEderal law and this was a "form of collection activity" and demanded they removed their tradeline. I recieved a letter from an attorney who wrote back and told me that their records show it as being iib and if I believe that there are any discrepancies with this account I will need to request an investigation thru the CB. He went on to say that he has complied with all state and federal saws including 11 U.S.C.362 with regards to the reporting of the tradeline.My embryonic knowledge of this is that as the OC they are required to report it correctly or remove it. Any help on this is appreciated. What do I do next? Link to comment Share on other sites More sharing options...
willingtocope Posted January 14, 2006 Report Share Posted January 14, 2006 First of all...make sure you're looking at a recent copy of the original CRA report...not one of those 3-in-1 reports (they do tend to be inaccurate and out of date).If it is indeed on the original CR, then a "dispute" letter to them is in order. Make sure you send it CMRRR and tell them to investigate. If it comes back "verified", then follow it up with an ITS letter to both the OC and the CRA. Link to comment Share on other sites More sharing options...
DocDon Posted January 15, 2006 Report Share Posted January 15, 2006 Alert mister hotshot attorney to FACTA, and being able to dispute directly with your creditors. Link to comment Share on other sites More sharing options...
LadynRed Posted January 15, 2006 Report Share Posted January 15, 2006 Yes, BUT you MUST dispute with the CRA's FIRST. Link to comment Share on other sites More sharing options...
DocDon Posted January 15, 2006 Report Share Posted January 15, 2006 I assumed that had already been done... Link to comment Share on other sites More sharing options...
LadynRed Posted January 15, 2006 Report Share Posted January 15, 2006 If so it wasn't stated, first line says the OP 'sent a letter to the OC'. Link to comment Share on other sites More sharing options...
DocDon Posted January 15, 2006 Report Share Posted January 15, 2006 It wasn't that. The OP was shown the flowchart back in May - I assumed this was a follow-up to the dispute procedure outlined...that's one of my resolutions for the New Year - stop assuming so much. Link to comment Share on other sites More sharing options...
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