soyelmismotony Posted September 3, 2012 Report Share Posted September 3, 2012 (edited) send to oc 623 investigation request. got few letter asking for id and social or copy of credit report but none satisfied my original request so I wrote 3 major credit companies to delete these companies since they are in 623 violation. I also send copy of my 623 investigation request to equifax and experian but ignore my request, but transunion deleted almost all of them but three no questions ask. who do I sue the oc, experian, equifax. or all three of them...? Edited September 3, 2012 by soyelmismotony Link to comment Share on other sites More sharing options...
1stStep Posted September 3, 2012 Report Share Posted September 3, 2012 Different CRAs treat every dispute differently...the request for ID/SSN in my opinion is just a stall tactic... Link to comment Share on other sites More sharing options...
soyelmismotony Posted September 3, 2012 Author Report Share Posted September 3, 2012 i agree with you 100% Link to comment Share on other sites More sharing options...
soyelmismotony Posted September 3, 2012 Author Report Share Posted September 3, 2012 (edited) who do I sue the oc, experian, equifax. or all three of them...?to sue the oc must first dispute with credit agency check came verified checkrequested 623 check. got thembut what do I need to sue experian and equifax...?they have in my credit report advanta card services and advanta bank.this bank went bankrupt and disolved in 2009 or 2010. how did they verify in 2012. hmmm i think I busted Equifax and Experian some verification they do Edited September 3, 2012 by soyelmismotony Link to comment Share on other sites More sharing options...
soyelmismotony Posted September 3, 2012 Author Report Share Posted September 3, 2012 to sue the oc must first dispute with credit agency check came verified checkrequested 623 check. got thembut what do I need to sue experian and equifax...?they have in my credit report advanta card services and advanta bank.this bank went bankrupt and disolved in 2009 or 2010. how did they verify in 2012. hmmm i think I busted Equifax and Experian some verification they do2 waltmart and 1 lowes did flat out ignore my requested bofa us bank and chase reponded and aknoledge the letter but did no investigation Link to comment Share on other sites More sharing options...
1stStep Posted September 3, 2012 Report Share Posted September 3, 2012 You will need to send an MOV (method of verification) letter to the CRAs... Advanta went under, but were the assets sold to another entity? If so, they can report...Send the MOV letter - and if you have Advanta's address, send a 623 letter.As far as who to sue, I'd throw one big party - the CRA and the DF (data furnisher). SaintAl is suing the CRAs - look up his thread. Link to comment Share on other sites More sharing options...
soyelmismotony Posted September 3, 2012 Author Report Share Posted September 3, 2012 You will need to send an MOV (method of verification) letter to the CRAs... Advanta went under, but were the assets sold to another entity? If so, they can report...Send the MOV letter - and if you have Advanta's address, send a 623 letter.As far as who to sue, I'd throw one big party - the CRA and the DF (data furnisher). SaintAl is suing the CRAs - look up his thread.ok i will send MOV letter to CRA's There is two advantas names on credit reports one of them came undelivered. but the other one came with advanta name on it but funny looking letter i think this is a fake latter trying to act or look like if it is actually from advanta. no logo or any thing just someting that it was created on microsoft works. my fax coversheet created on microsoft works looks better than this. I will keep my eye on SaintAl look foward for his outcome on the case. thanks Link to comment Share on other sites More sharing options...
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