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Collection on EX only


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I checked my Truecredit report on Friday and found a collection account from Orchard Bank on EX. Which sucks of course, but of course I've never had an Orchard Bank credit card.

So I called EX and talked to the Fraud department and pointed out that in all the years I've had credit that I've never had an Orchard Bank credit card or been an AU on one. And they of course asked me if I had filed a police report, well no, since I only found it Friday and it has to be a mistake, not mine theirs. So I disputed it and I hope it will fall off if not I'm gonna DV it with the CA.

Okay so I have an idea where this collection came from but if the CRA is reporting it incorrectly then they have to remove it. They carry the burden of proof not me. It just pisses me off that you work really hard on your credit to get rid of all the junk and suddenly some collection can be put on your CR and you'll never get notified. I mean I've never heard from this CA and I'll be damned if I'm gonna give them a dime for an account they can't report properly.

Also I disputed another paid collection with the EX fraud department that I've successfully removed from TU and EQ. I hope that putting it with this obviously crap TL they will both be removed.

Sorry, just venting. :twisted:

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I feel your pain, and I say that in such a way so as to be sincere and not sound condescending.

Wanna blow out your carotid artery? Consider that there are just shy of 11K members of CIC and 44K members of CB, but 300M Americans and not even Gott in Himmel knows how many of 'em have inaccurate CRs.

Remember, remember the fifth of November,

The gunpowder, treason and plot,

I see of no reason why gunpowder treason

Should ever be forgot.

Wanna restore blood flow and normal operating pressure after suturing up and refilling? You are among a teeny, tiny minority with exposure to valuable information. You're way ahead of the Jones and the Jeffersons, and movin' on up. Probably gonna get you a piece of the pie.

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