Robby8900 43 Posted June 26, 2019 Report Share Posted June 26, 2019 1 minute ago, Yungskeeme said: Midland is saying all of their information is correct and will mark the account as disputed. Attached the letter to dispute that midland sent me saying they would delete from my credit I could be wrong, but it looks like the account will remain and on lt have a remark that the account is disputed by consumer, and the CRA won't delete it. Its like MCM put into the letter a message to the CRA saying hey do as you wish with his account because the consumer has waived all rights to pursue you if you don't delete the account. Quote Link to post Share on other sites
BV80 2,794 Posted June 26, 2019 Report Share Posted June 26, 2019 3 minutes ago, Robby8900 said: I kind of had the same when i disputed an account with 'Jefferson Capital System'' who purchased a fingerhut account. JCS sent me a letter stating that they ceased all collection of the account and requested CRA's to delete the account. The CRA only deleted the collection account but left the OC account on my report. Jefferson Capital only had the authority to remove its own TL. It could not authorize the removal of the OC’s TL. Only the OC could do that. Quote Link to post Share on other sites
fisthardcheese 1,485 Posted June 26, 2019 Report Share Posted June 26, 2019 8 hours ago, Yungskeeme said: I submitted an online dispute with Equifax in June 1. Results came back 3 days ago. Said it’s not being removed. Kinda what I feared would happen. I kind of figure that too if you are going to use the online dispute. Quote Link to post Share on other sites
Robby8900 43 Posted June 26, 2019 Report Share Posted June 26, 2019 59 minutes ago, BV80 said: Jefferson Capital only had the authority to remove its own TL. It could not authorize the removal of the OC’s TL. Only the OC could do that. Even when JCS purchased all rights and interest as the OC through the bill of sale? Quote Link to post Share on other sites
Yungskeeme 1 Posted June 26, 2019 Author Report Share Posted June 26, 2019 4 hours ago, fisthardcheese said: I kind of figure that too if you are going to use the online dispute. So you’re saying I should’ve sent a physical letter? Do you think it’s too late? Quote Link to post Share on other sites
fisthardcheese 1,485 Posted June 26, 2019 Report Share Posted June 26, 2019 1 hour ago, Yungskeeme said: So you’re saying I should’ve sent a physical letter? Do you think it’s too late? It's never too late. Sending a hard letter by CMRRR (and saving a copy of the letter you are sending BEFORE you seal it and send it) gives you the proof you need for a potential future lawsuit against Midland if they do not do the proper thing. Quote Link to post Share on other sites
BV80 2,794 Posted June 26, 2019 Report Share Posted June 26, 2019 7 hours ago, Robby8900 said: Even when JCS purchased all rights and interest as the OC through the bill of sale? Yes. JCS purchased the rights to the account, but it did not purchase the rights to the activities of the OC. Just because JCS became the new owner doesn’t mean it can change what took place on the account before it was sold. In addition, credit reporting is a separate issue. One business cannot tell the CRAs to change or delete what another business reports. Quote Link to post Share on other sites
Robby8900 43 Posted June 26, 2019 Report Share Posted June 26, 2019 1 hour ago, BV80 said: Yes. JCS purchased the rights to the account, but it did not purchase the rights to the activities of the OC. Just because JCS became the new owner doesn’t mean it can change what took place on the account before it was sold. In addition, credit reporting is a separate issue. One business cannot tell the CRAs to change or delete what another business reports. Ok good to know. Quote Link to post Share on other sites
Yungskeeme 1 Posted June 26, 2019 Author Report Share Posted June 26, 2019 6 hours ago, fisthardcheese said: It's never too late. Sending a hard letter by CMRRR (and saving a copy of the letter you are sending BEFORE you seal it and send it) gives you the proof you need for a potential future lawsuit against Midland if they do not do the proper thing. Ok thanks. I’ll start prepping my letter to the credit bureau. Quote Link to post Share on other sites