Steve-0 Posted March 16, 2007 Report Share Posted March 16, 2007 ...This Account Information."This is an OC, and I have disputed twice with EQ in the past 6 months. Once in writing last year, and the second time was 2 weeks ago, online. 1) I didnt open this account up2) the dola and dolp make no sense.3) this has to do with a robbery id theft that happened to me 4 years ago. I am still dealing with the repercussions. thankfully I have a police reportOC verified both times, and EQ sent me the letter telling me so.But shouldn't they(OC and EQ) be reporting that I dispute this account? at least until I can get them the police report and affidavit?Is this a FCRA 623 violation?Thanks for reading this. Link to comment Share on other sites More sharing options...
Steve-0 Posted March 16, 2007 Author Report Share Posted March 16, 2007 bump Link to comment Share on other sites More sharing options...
sizax Posted March 16, 2007 Report Share Posted March 16, 2007 Im assuming you sent a copy of the police report to the oc right? They should delete it if you have a copy and have sent it to them Link to comment Share on other sites More sharing options...
Steve-0 Posted March 16, 2007 Author Report Share Posted March 16, 2007 Thanks for you response.I didn't send the police report yet. It took some time to locate and get a copy, but I have it now.I just thought that the OC had to report as "in dispute," since I did dispute. Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted March 16, 2007 Report Share Posted March 16, 2007 Is this a FCRA 623 violation?Yes; report it to the FTC. Link to comment Share on other sites More sharing options...
newbie7069 Posted March 16, 2007 Report Share Posted March 16, 2007 Thanks for you response.I didn't send the police report yet. It took some time to locate and get a copy, but I have it now.I just thought that the OC had to report as "in dispute," since I did dispute.I guess I am confused by your post a little. Did you actually dispute the TL with the OC or only through the CRA? If you didn't actually send the OC a dispute, then I don't think they are under any obligation to note the account as "in dispute" until such time as they receive a dispute directly from you. Link to comment Share on other sites More sharing options...
Steve-0 Posted March 16, 2007 Author Report Share Posted March 16, 2007 I disputed with the CRA, not with the OC specifically.When I dispute the CRA, It's my understanding that they send a message to the OC regarding the dispute, and then the OC verifies, or does nothing.If the OC or CRA are supposed to be reporting it as in dispute and they are not, I want to know. Who is in the wrong here? the furnisher, right?This should all be fixed once I send the Police report to the OC, but I am just asking this as a matter of law.Thanks again for the posts Link to comment Share on other sites More sharing options...
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