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I have filed disputes with all 3 CRA's, but they are coming back with different results for the same accounts. Some of the accounts are with same CA, yet the credit bureaus are saying validated for some, couldn't validate for others.  The same ones that couldn't be validated with one bureau, are validated with another. So I'm wondering, how does this happen? They were all disputed as "not mine", because they are not mine.

The same collection agency is validating some of the accounts with a bureau , not validating others with same bureau, and vice versa. So basically, it looks like the same CA is randomly validating different accounts with each bureau, and randomly not validating with each bureau. This make absolutely no sense, but then again, maybe the law allows this. It just seems like a game that is used to cause mass confusion.

Then there is the issue of a credit/revolving account disputed with all 3 CRA's.  TU deletes the account over 2 years ago, which I thought they had to notify the other 2 CRA's to delete, but I shouldn't have thought.  So I have now disputed the account with EX and EQ.  EX results were "validated" with no change.  EX is still investigating, but after dispute was filed, I noticed they made changes to this account.  They changed payments made on time and date of 1st delinquency.  If the changes were a result of "validation", and there are no other changes on this account, it will be conflicting with info EX has for the account, and had conflicted prior to disputes.  

Experian is showing payments made on time from 11/11 - 2/12. Account open 11/1/2011.

Equifax shows no payments on account, 1st delinquency is 12/11.  Account open 11/9/2011.

This account does not belong on my credit, and TU deleted 2 years ago, and I included the TU investigation summary with disputes for EQ and EX.  Also, I disputed 21 accounts with Ex, and it took 4 days to investigate them all?  Quite a few of the accounts were deleted, but the accounts they "validated", were the exact accounts that TU had deleted (they had a copy of TU results showing deletion).  Coincidence? Out of 21 accounts disputed with EX, 6 remain as a result.  4 of the 6 were deleted by TU due to no validation.  

Sorry if this is all confusing, but I am quite confused myself. I don't know if /what rights under the FCRA have been violated.  It almost seems like a game they play to discourage people from making them do their job.  Also, because I am still in the 30 - 60 day window, should I send all 3 opt-out of arbitration letters? I found info on Equifax for this, but nothing for TU and EX.

Thank you in advance for any input.  Your time and knowledge I s greatly appreciated! :)

 

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7 minutes ago, Graphixbaby78 said:

They were all disputed as "not mine", because they are not mine.

Let's start at the beginning.

Are they the result of identity theft?   Were you merely an authorized user?

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Most of the accounts were labeled as medical, but they are not mine, and insurance company never received claims for any of them.  I have had the same dr. for years, and the providers listed are not even local, most from a different state. This has happened before, so I never looked at it as identity theft. There is 1 account that is a credit account, and I have no knowledge of it. It was removed by TransUnion 2 years ago, and I just assumed it was put on wrong file.  Should I file a claim for identity theft? I never thought of it that way.  I even wonder if the CA or creditor is legitimate, due to inconsistent reporting on same accounts, and so close together. Thank you for taking time to respond. :)

So to answer your question, I am not responsible, and did not authorize any of the accounts or debts disputed.

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8 minutes ago, Graphixbaby78 said:

Most of the accounts were labeled as medical, but they are not mine, and insurance company never received claims for any of them.  I have had the same dr. for years, and the providers listed are not even local, most from a different state. This has happened before, so I never looked at it as identity theft. There is 1 account that is a credit account, and I have no knowledge of it. It was removed by TransUnion 2 years ago, and I just assumed it was put on wrong file.  Should I file a claim for identity theft? I never thought of it that way.  I even wonder if the CA or creditor is legitimate, due to inconsistent reporting on same accounts, and so close together. Thank you for taking time to respond. :)

So to answer your question, I am not responsible, and did not authorize any of the accounts or debts disputed.

Considering the fact that you have filed disputes with the CRAs. I'd contact a consumer attorney.  Hopefully, you kept copies of your disputes and/or the responses to those disputes.

Here's the link to consumer lawyers.  Just fill in your state.

http://www.consumeradvocates.org/find-an-attorney

 

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I have printed EVERYTHING regarding disputed filed.  I check daily on dispute status with all bureaus, and print out any changes to any account, also any changes in dispute status.  I have read stories about them denying a consumer ever filed dispute via online, but they won't win that bs with me.  I will use the link you provided, and contact an attorney to resolve this. Thank you for taking the time to post the helpful info you have provided. :)

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