Frustrated with EX's online dispute system.

[OutOfTheFryingPan]

I have a negative trade line frome BOA and from Chase. They are from the same account and list the same account number.

It happened when the two banks merged or BOA was sold to Chase I guess.

I used the online dispute and listed duplicate account as my reason. Of course they verified it. Which doesn't solve my problem. They are reporting the same account twice. Now they won't let me use the online dispute for this account anymore.

Should I start by sending a letter saying it's a duplicate account again or go another route?

Thank you,

Tony

[VonAngel (aka EarthAngel)]

Although I've never had a problem w/ the online dispute system, you may want to read this:

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263996

[rm2738]

I have a negative trade line frome BOA and from Chase. They are from the same account and list the same account number.

It happened when the two banks merged or BOA was sold to Chase I guess.

I used the online dispute and listed duplicate account as my reason. Of course they verified it. Which doesn't solve my problem. They are reporting the same account twice. Now they won't let me use the online dispute for this account anymore.

Should I start by sending a letter saying it's a duplicate account again or go another route?

Thank you,

Tony

I've noticed that a lot of the veterans on this site recomend that you do not use the Online Dispute system for TL's, CA's etc. Only use the Online Dispute for personal info, address, phone numbers. Always send CMRRR. That way you have a paper trail and you actually have someone read your letter and look at your report, rather than a computer system verifying you info.

[VonAngel (aka EarthAngel)]

That way you have a paper trail and you actually have someone read your letter and look at your report, rather than a computer system verifying you info.

Even w/ your dispute submitted via CMRRR, a computer system (eOscar) is still going to verify the info.

[LNY]

Even w/ your dispute submitted via CMRRR, a computer system (eOscar) is still going to verify the info.

Absolutely. The person is only going to enter the info into the same computer system as the online dispute.

And a lot of us also DON'T have any problems with online disputes. It depends on your circumstances and what you hope to gain. What works for you won't necessarily fit for someone else, and vice-versa. So I'd never advocate a wholesale "stay away from this method!!" just because it didn't work for me, just like I wouldn't tell people "stay away from this card!!" because they were late in applying one of my payments.

[rm2738]

Below is Methuss's reason for why..... It's a sticky on the board.

I keep repeating myself a lot on this so I'm making this sticky to explain why you should NEVER use the on-line dispute system for tradelines. You can use it for correcting addresses and personal information but that's about it.

Besides the obvious problem that you have NO PROOF of your dispute that you can take to court as prima facie evidence to establish your case, there are other issues that come up.

When the FCRA was amended by the FACT Act, they put in a section for "Expidited Dispute Resolution" (Section 611a(8)) aka the on-line dispute system. If you read that part you will notice this sentance:

"the agency shall not be required to comply with paragraphs (2), (6), and (7) with respect to that dispute" if they delete the tradeline within 3 days.

Paragraph 2 is the part that requires the CRA to forward your dispute and all related documentation you provide to the furnisher. Paragraph 6 is the part that requires the CRA to provide you with written results of the investigation. Paragraph 7 is the part that requires the CRA to provide you with the method of verification on request from the consumer.

Now where this is a problem is that the law isn't specific enough to say permanently delete or supress. The CRA can "soft delete" it for 30 days and then the tradeline can reappear when the furnisher reports it again in the next 30 day cycle (Because the CRA isn't required to tell the furnisher you disputed it at all). So this leaves a mechanism in place where the consumer thinks they are getting a delete, but it is only temporary. Since the furnisher doesn't know it was deleted, they can re-report it and the CRA will happily put it right back on your report...and there is nothing in the law to stop it.* Further, you loose your rights to request MoV and loose the hard-copy of the investigation results you would otherwise get if you did the dispute by mail; Leaving all evidence of the dispute tightly locked in the CRA's hands...where you are essentially assured that they will fight any and all attempts to subpeona it in a court action.

*The 5 day notice letter for reinsertion is only if the CRA puts the item back on your report as a result of an investigation taking longer than 45 days to complete. The CRA does not have to give you a 5 day notice of reinsert if they complete their "expedited investigation," delete the tradeline, and the furnisher re-reports it later.

[LNY]

We know. And many of us have had completely opposite experiences, which are just as valid. Different strokes for different folks. We all have our own circumstances.

[VonAngel (aka EarthAngel)]

I have already referred the OP to that sticky...for ALTERNATIVE dispute methods and opinions. There isn't just 1 method to use for disputes. As LNY stated, the dispute method you choose to use depends on the circumstances and what a consumer's goals are.