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Graphixbaby78

Creditor in violation FCRA

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I recently posted about numerous accounts on my credit reports that didn't belong to me, and was given advice to contact a lawyer.  I did contact an attorney, and he suggested that my case could end up in federal court.  Unfortunately, that is not an ideal solution for me at this time, due to an urgent custody matter that I need to pursue, which can be very time consuming, and get very ugly at that.  I have had a higher success rate with getting accounts deleted than I expected, but I'm left with a few that need further action.  I am using DV method with CA's, and hope to eliminate the remaining accounts using this method, except for 1.  I just need advice/options for this specific creditor, as there is at least one violation on their part with 'verifying' to credit bureaus.

Here are the facts:

I disputed with TU in 2014, resulting in deletion of account.  I assumed the other bureaus would also delete after TU did, but I wasn't quite as educated on this stuff then, and was wrong.

Checked my EQ and Ex reports recently, and this account was on both, but the specifics of the account were not consistent between the 2 CRA's (payment history, date of 1st delinquency, date opened).  So I disputed with the 2 bureaus as not mine, and it isn't, providing them with the proof that TU deleted 2 years ago.

Of course they validated with both EQ and EX, details changed on EQ for account, but they are still inconsistent.  It's almost like someone is playing a guessing game.  Here is what the account looked like before dispute with bureaus,  which show different payment history for each.

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And here is what the account looks like after dispute with each bureau, and now EQ is showing no payments made (they showed 6 payments made prior to dispute), 1st delinquency 12/11, but EX shows payments from 11/11 - 2/12.  

Equifax

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Experian

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What are my options for going after them for violation, without dragging out a lawsuit?  This account is killing my credit, because it's putting my utilization at 118%, which is 30% of a score. I have been denied credit as a result. My TU score is 718, because this account is not on TU, but EX and EQ are 580-590.  I used score simulator, took utilization down to 0-10% and my score went up 50 points on EX, 65 on EQ.  I called recon line for Barclaycard after I applied because I noticed they pulled EX (thought they would pull only TU), and they asked about this specific account,  then told me to call them back once the account is resolved.  That account was the reason for denial, according to the rep I spoke with.  

Is arbitration an option in resolving this, or small claims suit?  Is it true that I would have to file in the county/state they are located in? Thank you for taking time to read this, and I appreciate any comments, feedback, or advice regarding this matter.

 

Edited by Graphixbaby78
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On 10/14/2016 at 3:44 PM, Graphixbaby78 said:

What are my options for going after them for violation, without dragging out a lawsuit?

None.

You can keep disputing, sending letter after letter after letter and one day you may get lucky and it could disappear.  It could just be temporary and reappear later also.  All of that would take longer and way more work than handing the files to an attorney and letting him do all the work for you instead.

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