vermonter Posted March 16, 2007 Report Share Posted March 16, 2007 TU and Experian both reporting Palisades collection account. sent DV and cease letter to Palisades 1/06...NO RESPONSE...then posted TL with equifax who deleted without question..now skip to 1/07...Palisades begins calling me again. leaving messages to return call and post TL with TU and Experian. Sent TU and Experian copy of my original letter to Palisades and copy of certified receipt. Both came back stating it was verified and experian specifically said Palisades said dispute with consumer settled...I sent MOV letter to both CRA's...TU replies with a letter to me today...reinvestigation is considered frivolous and will not be done. I didn't ask for reinvestigation I asked for MOV!!! Which I thought was within my rights... I haven't heard back from Experian. Sent Palisades another DV, reminding them of the first one but forgot to send it certified,,,did fax a copy also and have copy of fax log! What should I do next? Can't believe my request for MOV was considered Frivolous!!!! Can't believe they would take Palisades word over mine when I mailed them proof I had asked for Validation... Link to comment Share on other sites More sharing options...
divemedic Posted March 16, 2007 Report Share Posted March 16, 2007 Search for the term "eoscar" Link to comment Share on other sites More sharing options...
limeverbena Posted March 16, 2007 Report Share Posted March 16, 2007 did you keep a copy of the experian report when it was first deleted? i am quite positive that they are required to contact you in writing 5 days prior to reposting a negative listing.i would send a certified letter to the CR citing their failure to comply with your request for a MOV, include copy of your original request. also cite their failure to notify you of reposting the listing.your state attorney general's office can help you..so i have heard. i havent gotten quite that far yet in my disputes Link to comment Share on other sites More sharing options...
vermonter Posted March 17, 2007 Author Report Share Posted March 17, 2007 It was actually Equifax that reported it last year, removed it and it hasn't returned to my knowledge. This year they are trying Experian and TransUnion. I haven't heard back from my second dispute with Experian and request for MOV...but as I said TransUnion said my request for reinvestigation was frivolous...even though it was an MOV! I will search eoscar as suggested and see what I find. It will only be posted until 8/2008, according to TU...I suppose I could just wait til it falls off, I don't anticpate any need to use credit..but you never know...it just ticks me off that these JDB's can treat us this way...no validation at all..it's an outrageous amount of money. I did have an old account, thought it was paid off...certainly not the 17000 they say I owe...I would think if they truly believed it was mine, they would have been harrassing me to pay it over this past year...not just forget about it and try again. When I didn't hear back last year, I assumed the discovered their mistake...it's so old, I have no records...just was waiting for the validation to see what was going on! Link to comment Share on other sites More sharing options...
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