Nisama Posted July 7, 2007 Report Share Posted July 7, 2007 I sent a DV letter to 2 CA's on 6/5/2007 which was within the 30 day mark from when they sent there letter to me and also disputed the accts. w/ Transunion through their website that same date. I have confirmation that the DV letters were received on 6/11/07. It is now 7/6/07 and I have yet to hear anything from Transunion or the CA's. I believe once a dispute with a credit bureau is not answered within 30 days, it is then to be removed from my credit report. Can someone please confirm if that is correct and if so what i need to do at this point since I am now on the 31st day since disputing the debt w/ Transunion?6/5/07 Sent DV letters to CA's and also disputed accts. w/ Tranunion6/11/07 Received confirmation of DV letters being received7/6/07 No response from anyoneWhat to do? Link to comment Share on other sites More sharing options...
jaime Posted July 7, 2007 Report Share Posted July 7, 2007 The credit bureaus know what they’re doing. I’ve never had an experience where they just ignored me. You’ll probably receive a letter from them soon. My experience is that really close to the 30 day mark the credit bureau will send me a letter saying either the account was verified, that they need more time to investigate (which is legal, I think they can get an additional 20 days, but don’t quote me), or that the account was deleted. Hope for the last. The hard part is with the CA you are disputing with, I’ve followed the same routine you have before and most of the time they just don’t answer the letter, but they’ll keep reporting to the bureaus. Sucks. But just keep your cool and don’t stress, go get a beer and watch a movie tonight.If the bureaus come back verified with no answer from the CA, send another letter stating they’ve violated the FDCPA, you hate them, and that you are going to sue if they don’t delete the accounts and pull their claim. If they still don’t do anything, get all the paperwork together and get ready for court. They have always caved when I bring CA’s to court. Most of the time they sell the account and I start all over with a new company.If it deletes, keep the record from the CB showing that it couldn’t be verified, if the CA comes back, see paragraph above. Good luck, and have fun. Link to comment Share on other sites More sharing options...
gypsie Posted July 7, 2007 Report Share Posted July 7, 2007 I sent a DV letter to 2 CA's on 6/5/2007 which was within the 30 day mark from when they sent there letter to me and also disputed the accts. w/ Transunion through their website that same date. I have confirmation that the DV letters were received on 6/11/07. It is now 7/6/07 and I have yet to hear anything from Transunion or the CA's. I believe once a dispute with a credit bureau is not answered within 30 days, it is then to be removed from my credit report. Can someone please confirm if that is correct and if so what i need to do at this point since I am now on the 31st day since disputing the debt w/ Transunion?6/5/07 Sent DV letters to CA's and also disputed accts. w/ Tranunion6/11/07 Received confirmation of DV letters being received7/6/07 No response from anyoneWhat to do?This senario is not unusual. The CBs may take up to 45 days to complete an investigation - it's referred to as "extension of period to reinvestigate". Give TU the extra 15 days.It's great that you've been timely with your DV. Continue to follow the DV process, don't let the extra time the CB may take confuse you. You can dispute anytime with the CBs.It's the timeliness of the DVs to the CA that give you ammo against them. Disputing with the CBs is simply a way for you to "force" them (the CA) to validate or violate Link to comment Share on other sites More sharing options...
Lyssarene Posted July 7, 2007 Report Share Posted July 7, 2007 Just wait it out for a few. I sent TU disputes at the beginning of May and just Friday I received in a new credit report from them with the investigation results. Link to comment Share on other sites More sharing options...
Nisama Posted July 17, 2007 Author Report Share Posted July 17, 2007 OK...I received a packet from one of the CA's I DV'd today. It was copies of my billing statements going back about a year or so along with a copy of my credit card application. Does this qualify as validation? Also I see that the postmark date on this packet is 7/12/07 which is 31 days from when I received conf. that they received my DV letter (on 6/11/07) do I have a case at all on this because they sent out the info after 7/11/07 (30 days from when they received my DV letter) I also received verfication from TransUnion that the this debt was verfied. Does that mean I have a case for the CA verfying my acct. w/ the CB before with me?On my other acct. the result is listed as new info, I have yet to hear anything back fromt he CA for that acct. Can I do anything about that? Link to comment Share on other sites More sharing options...
Nisama Posted July 17, 2007 Author Report Share Posted July 17, 2007 If I DV a CA and they do not reply back within the 30 days and I threaten to sue and the CA agrees to erase marks on your credit report does the original charge off mark from the creditor come off as well? For example I have a BofA credit card that was charged off and sent to CA. I DV the CA and they dont respond and agree to delete the acct. from my credit report. Does that mean the BofA acct. showing charged off is coming off or just any inquiry marks made from the CA only? Link to comment Share on other sites More sharing options...
IHateCAs Posted July 17, 2007 Report Share Posted July 17, 2007 No to all your questions in posts #5 and #6. Link to comment Share on other sites More sharing options...
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