EdwinRamos Posted March 14, 2008 Report Share Posted March 14, 2008 A year ago, I paid a small debt to a collector, who had promised to delete it from reporting once paid. Well, they didn't remove it, after I disputed the entry several times, and it came back verified.So, I finally made contact with the BBB and filed a complaint against the Collector, To my amazement, I received a positive reply from a General manager, who apologized and related he would request the deletion of the entry's from all the CR's, and even sent me a letter... But, recently Equifax who appears to be the only one reporting this debt, updated as verified as of 3/2008 ??Question: if the collector makes a request for the CRA to remove the entry, does the CRA have to comply ?Question: Does the letter give me enough to dispute the entry with Equifax directly ?Your thoughts appreciated .... Link to comment Share on other sites More sharing options...
NASCAR_Devil Posted March 14, 2008 Report Share Posted March 14, 2008 A year ago, I paid a small debt to a collector, who had promised to delete it from reporting once paid. Well, they didn't remove it, after I disputed the entry several times, and it came back verified.So, I finally made contact with the BBB and filed a complaint against the Collector, To my amazement, I received a positive reply from a General manager, who apologized and related he would request the deletion of the entry's from all the CR's, and even sent me a letter... But, recently Equifax who appears to be the only one reporting this debt, updated as verified as of 3/2008 ??Question: if the collector makes a request for the CRA to remove the entry, does the CRA have to comply ?Question: Does the letter give me enough to dispute the entry with Equifax directly ?Your thoughts appreciated ....IMO the CRA's must delete if directed to do so by the DF. As to the second question though, from everything that I've read here, anything like that you send the CRA's is ignored due to the sheer number of fraudulant letters they receive. Link to comment Share on other sites More sharing options...
EdwinRamos Posted March 14, 2008 Author Report Share Posted March 14, 2008 As to the second question though, from everything that I've read here, anything like that you send the CRA's is ignored due to the sheer number of fraudulant letters they receive.Understand, but, since the CRA is to verify the information contained in the letter I received from the CA as being true in content, shouldn't the letter suffice ??By the CRA ignoring the letter, IMHO, it is'nt properly verifying the entry they continue to show on my CR....and therefore, should be considered a Violation of the FDCPA, as improper verification. Link to comment Share on other sites More sharing options...
momof5 Posted March 14, 2008 Report Share Posted March 14, 2008 Send email to vicki.banks@equifax.com and include the scan of the letter. Link to comment Share on other sites More sharing options...
EdwinRamos Posted March 14, 2008 Author Report Share Posted March 14, 2008 momof5, Thanks for the reply and email link, I will give it a try and let you know it's results... Link to comment Share on other sites More sharing options...
EdwinRamos Posted March 27, 2008 Author Report Share Posted March 27, 2008 well a combination of reopening my formal complaint with the BBB and sending and email to vicki banks as I was advised by momof5 (Thank You!!!) it appears the entry in my Equifax Report is history Thanks to all that helped me out on this quest..... Link to comment Share on other sites More sharing options...
Fizzle1979 Posted March 27, 2008 Report Share Posted March 27, 2008 Congrats on the hard work...it paid off. Link to comment Share on other sites More sharing options...
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