IngridA Posted August 5, 2006 Report Share Posted August 5, 2006 Hello All!Here's the background:Medical collections for about $105....did not DV (I know, I know) but did dispute with Experian....came back verified, and at the same time there was a duplicate TL put on my EX CR (same account, just a different account number)....so I re-disputed both TLs, both came back verified.....Soooo, I sent a letter to the CA under FACTA requesting documentation for both accounts....my letter made it explicitly clear that they were reporting duplicate TLs and that they needed to remove the duplicate TL immediately. At the same time, I disputed again with EX for both accounts. Today I received a letter from the CA, with a copy of documentation from the OC (there is only one account), but nothing about what they are going to do with the duplicate TL....My feeling is that I'm going to wait to hear from EX regarding the disputes, and if they both come back verified, then I probably need to sue, right?Also, is it even remotely possible that the CA doesn't realize that there is a duplicate TL? I did not send them a copy of my CR page where it shows the duplicate TLs...I figured I didn't want to give them any of my personal info, even if I blocked everything out except for my name and the duplicate TLs, if I made a copy.Thanks in advance for the help!Ingrid Link to comment Share on other sites More sharing options...
IngridA Posted August 7, 2006 Author Report Share Posted August 7, 2006 Ok, I'm thinking this might have to ask for method of verification, depending on what comes back from the CRA... Link to comment Share on other sites More sharing options...
GreatGadsby Posted August 7, 2006 Report Share Posted August 7, 2006 if u told them there was a duplicate TL, then they know. ask for MOV, but don't be suprised when they don't give it to you. when both TL's come back verified. send one more letter explaining that the account is beig duplicated on your CR. send it CMRRR. dispute again. when verified the third time, you have established willfull non-compliance and feel free to sue them. Link to comment Share on other sites More sharing options...
nascar Posted August 7, 2006 Report Share Posted August 7, 2006 Pretty sure action for willful noncompliance under 623 is reserved for state or federal agencies. Link to comment Share on other sites More sharing options...
GreatGadsby Posted August 7, 2006 Report Share Posted August 7, 2006 616 (1681n) (willfull noncompliance) applies to everyone. you just aren't allowed to apply it to 623a violations. it is good to establish a pattern of non-compliance so that the defendant cannot claim that it was simply negligent non-compliance. Link to comment Share on other sites More sharing options...
divemedic Posted August 8, 2006 Report Share Posted August 8, 2006 It would be willfull noncompliance of 623(, or what is known as an s2-b violation. Link to comment Share on other sites More sharing options...
IngridA Posted August 10, 2006 Author Report Share Posted August 10, 2006 Thanks very much for the responses! I guess I'll just keep re-disputing and see what happens from there... Link to comment Share on other sites More sharing options...
IngridA Posted August 17, 2006 Author Report Share Posted August 17, 2006 Here's the update:Equifax came back with both as being verified....the original TL was determined that it was "being reported correctly", and the duplicate TL was determined "to belong to" me...So, the noose around the CAs neck get's tighter.... Link to comment Share on other sites More sharing options...
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