sanchezrc2 Posted March 27, 2013 Report Share Posted March 27, 2013 i disputed a debt with first premier bank in 2011, they validated the debt with statements, but ive noticed they never updated the status as 'disputed' with the credit bureaus, do i have them on a violation? i could careless about the 1,000.00 i just want a way to get this off my credit. i have all the receipts and signed green cards that i received in mail when they signed for the letter plus they responded. any help is appreciated. Link to comment Share on other sites More sharing options...
admin Posted March 27, 2013 Report Share Posted March 27, 2013 They may have updated the debt as disputed and then it moved back out of the disputed status after 30 days. The best way to deal with this is to dispute with the credit bureaus. Link to comment Share on other sites More sharing options...
sanchezrc2 Posted March 27, 2013 Author Report Share Posted March 27, 2013 I PRINT THE COPY EVERY 30 DAYS, AND ITS NEVER STATED DISPUTED ON REPORTS Link to comment Share on other sites More sharing options...
sanchezrc2 Posted March 27, 2013 Author Report Share Posted March 27, 2013 sorry for the caps Link to comment Share on other sites More sharing options...
Torden Posted March 28, 2013 Report Share Posted March 28, 2013 If you dispute WITH the DV, I can see where they will assume that you are disputing on the basis of lack of "info", and that if they send the "info" the dispute is "satisifed". That's why I always say to send a formal dispute as a separate letter (via CMRRR), then there is no question that you are disputing indefinitely, and your case for them not flagging the tradeline as disputed is stronger. I also suggest sending the dispute a couple weeks after the DV. Link to comment Share on other sites More sharing options...
BV80 Posted March 28, 2013 Report Share Posted March 28, 2013 i disputed a debt with first premier bank in 2011, they validated the debt with statements, but ive noticed they never updated the status as 'disputed' with the credit bureaus, do i have them on a violation? i could careless about the 1,000.00 i just want a way to get this off my credit. i have all the receipts and signed green cards that i received in mail when they signed for the letter plus they responded. any help is appreciated. Did you send a debt validation request to First Premier? If that bank is the original creditor, they weren't required to respond to your DV. An original creditor is not bound by the FDCPA. Link to comment Share on other sites More sharing options...
Torden Posted March 28, 2013 Report Share Posted March 28, 2013 Send a specific dispute (not DV) letter to the party named in the CR tradeline, indicating you dispute the debt. You can also state why you dispute it for their information (such as debt does not many any creditor you have done business with), but only the fact of a dispute is all they need to provide to the CRA. Send it via CMRRR. Note that the requirement for a DV request to be sent within 30 days to suspend their collection efforts has nothing to do with a dispute status. You can dispute an account at any time and once disputed, any update they make must have the dispute status. 30 days after you send that dispute, check the CR and see if it is there. If not, then do a dispute through the CRA stating the "tradeline is not accurate because it fails to show dispute status". Link to comment Share on other sites More sharing options...
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