skybluemoon

?CA reporting violations?

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I rec'd my report back from TransUnion and Asset Acceptance (Bealls) and Equable Ascent Fncl LLC (CO) verified to the CRA but did not respond to my validation request directly to them. I called TU and requested MOV and got, from David Brown with the Indian accent, that disputes are handled electronically and all he could give me was the same info posted on the updated report. I know there are violations here, but I am not sure how to proceed at this point....Please give me some input and suggestions. Thanks.

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Actually, there's really nothing you can do. If the TLs are marked "in dispute", then they can take as long as they want to send you validation.

You could wait 6 months to a year and then dispute with the CRAs as "unresponsive", but if they verify again, you're next choice is to sue under the FCRA as "incorrect reporting".

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