calzer7 Posted December 29, 2008 Report Share Posted December 29, 2008 I just got my disputes back from EQ and TU and got a total of ten deletions. I also recieved a verified from 2 accounts (B of Am. mortgage and HSBC car loan) on both reports. On TU the BoA reports no lates. On EQ it reports two 30 days late & two 60 days late and currently 30-59 days late. It is not currently late and I can prove that so I am not worried about that part of it. With the HSBC tl, TU and EQ report it late 11 times but with different dates.Now I have have been reading this forum for years and finally decided it was time to start my credit repair. This is my first post. I want to make sure my next step is done correctly. Do I now send a letter to the OC's reqesting an investigation? Should I also send a letter to the CRA's as well? Thanks in advance for your help. Link to comment Share on other sites More sharing options...
valorman Posted December 29, 2008 Report Share Posted December 29, 2008 I just got my disputes back from EQ and TU and got a total of ten deletions. I also recieved a verified from 2 accounts (B of Am. mortgage and HSBC car loan) on both reports. On TU the BoA reports no lates. On EQ it reports two 30 days late & two 60 days late and currently 30-59 days late. It is not currently late and I can prove that so I am not worried about that. With the HSBC tl, TU and EQ report it late 11 times but with different dates.Now I have have been reading this forum for years and finally decided it was time to start my credit repair. This is my first post. I want to make sure my next step is done correctly. Do I now send a letter to the OC's reqesting an investigation? Should I also send a letter to the CRA's as well. Thanks in advance for your help.If you send a request for investigation to OC's its definitely is going to comeback as verified.Under the FCRA OC's can change the incorrect reportingyour best bet is look at your reports and find some incorrect issue then dispute it with CRAs.Or you can write a goodwill letter to OC's as this account is still open Link to comment Share on other sites More sharing options...
valorman Posted December 29, 2008 Report Share Posted December 29, 2008 I just got my disputes back from EQ and TU and got a total of ten deletions. I also recieved a verified from 2 accounts (B of Am. mortgage and HSBC car loan) on both reports. On TU the BoA reports no lates. On EQ it reports two 30 days late & two 60 days late and currently 30-59 days late. It is not currently late and I can prove that so I am not worried about that. With the HSBC tl, TU and EQ report it late 11 times but with different dates.Now I have have been reading this forum for years and finally decided it was time to start my credit repair. This is my first post. I want to make sure my next step is done correctly. Do I now send a letter to the OC's reqesting an investigation? Should I also send a letter to the CRA's as well. Thanks in advance for your help.If you send a request for investigation to OC's its definitely is going to comeback as verified.Under the FCRA OC's can change the incorrect reportingyour best bet is look at your reports and find some incorrect issue then dispute it with CRAs.Or you can write a goodwill letter to OC's as this account is still open Link to comment Share on other sites More sharing options...
calzer7 Posted December 30, 2008 Author Report Share Posted December 30, 2008 But if it comes back verified, then I have the right to sue because it was not reported accurately, correct? Link to comment Share on other sites More sharing options...
wahoo238 Posted December 31, 2008 Report Share Posted December 31, 2008 But if it comes back verified, then I have the right to sue because it was not reported accurately, correct?I would think you would have the right after verified and then followed up by a sec 623 investigation with the OC. If not resolved and reported correctly then a FCRA violation. Link to comment Share on other sites More sharing options...
calzer7 Posted December 31, 2008 Author Report Share Posted December 31, 2008 I would think you would have the right after verified and then followed up by a sec 623 investigation with the OC. If not resolved and reported correctly then a FCRA violation.Thanks to those that have responded. I am a little confused? So what your saying is, after they verify, I have to send them a 623 letter first and give them a chance to correct it before I threaten to sue? I just want to use the threat to sue to get the TL's removed. I thought the fact that they verified it was enough to sue. You guys seem so knowledgeable and I just want to get it right and get my life back on the right track. I think I have them but I'm just a little unsure of my next few steps. Please help. Link to comment Share on other sites More sharing options...
swirlgirl Posted December 31, 2008 Report Share Posted December 31, 2008 If your goal is to just send an empty threat, you can do that at any time. The TL came back verified. You need to contact the OC to get the official history on this. If they find a mistake, they will just update the TL with the correct information. You can ask them to delete, but they may just choose to update it.If you took this to court, you would have to prove that they intentionally reported incorrect information and that it was not a simple mistake. Link to comment Share on other sites More sharing options...
Focus2069 Posted January 2, 2009 Report Share Posted January 2, 2009 If you took this to court, you would have to prove that they intentionally reported incorrect information and that it was not a simple mistake.exactly, you want to give them mulitple chances so you have it documented, that eliminates the "bona fide error" defense. Link to comment Share on other sites More sharing options...
calzer7 Posted January 2, 2009 Author Report Share Posted January 2, 2009 Now I get it. That makes sense. Glad I posted that question after reading rhis site for 2 years. Thank you so much. Now how bout the 10 deletions. I thought that was pretty good. Link to comment Share on other sites More sharing options...
DB_Cooper Posted January 6, 2009 Report Share Posted January 6, 2009 If you took this to court, you would have to prove that they intentionally reported incorrect information and that it was not a simple mistake.When did negligence for a CA become a defense under the FCRA? Link to comment Share on other sites More sharing options...
kseke25 Posted January 23, 2009 Report Share Posted January 23, 2009 I disputed a few charge-offs with Experian online and within hours they show them as verified. I also received a letter from them through the mail today saying that the accounts were verified and now updated. What's my next step? They are old charge off accounts at least 4 yrs old and it wouldn't do me any good paying them off. Should I send DV's to the CA's before I sent Experian a method of verification letter? Also these accounts are listed both by the OC and CA to which they are assigned? Can they do that? Also both Experian and Transunion have different dates these accounts will be removed from my CR even the dates of removal by the OC's are different from the CA's? How can this be? HELP!!! By, the way 2 of the accounts are from LVNV and Asset Acceptance and they are both showing different dates of removal from the original creditors. The OC will have the accounts removed from my CR this yr but those two CAs won't remove the accnts until 2012. Can they do that!??? Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 23, 2009 Report Share Posted January 23, 2009 When did negligence for a CA become a defense under the FCRA?There is no mention of a CA in the OP's (or anyone elses) posts. The dispute is with the OC - Original Creditors. Link to comment Share on other sites More sharing options...
DB_Cooper Posted January 25, 2009 Report Share Posted January 25, 2009 There is no mention of a CA in the OP's (or anyone elses) posts. The dispute is with the OC - Original Creditors.CA or OC, my question's still the same.When did negligence become a defense for bad reporting?Sometimes leverage is where you find it. Link to comment Share on other sites More sharing options...
OMGWhatHaveIdone Posted January 26, 2009 Report Share Posted January 26, 2009 CA or OC, my question's still the same.When did negligence become a defense for bad reporting?Sometimes leverage is where you find it.Read the FCRA. A DF is bound to report accurate information to the CRA's. If a consumer finds inaccurate information, then it is up to the DF to correct it or remove the TL completely. If the DF is intentionally mis-reporting the information to the CRA's, then that is negligent reporting and as such is a violation of the FCRA. Link to comment Share on other sites More sharing options...
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