HarryGotHurt Posted May 14, 2019 Report Share Posted May 14, 2019 I sent a dispute letter to all 3 CRAs on October 2018. I disputed DOFD, DOLP, Payment amount, Date Open and Date Closed. Within 30 days I received responses from all three verifying the information. Equifax verified: Date Opened: 3/31/2017 Date Closed: N/A Date of Last Payment: N/A Date of First Delinquency: July/2015 However they listed this account as OPEN with a Charge Off Amount of $0 and a payment history reporting late every month for 15 months! Experian verified: Date Opened: 3/31/2017 Date Closed: N/A Date of Last Payment: N/A Date of First Delinquency: N/A They however list this account as "On Record Until: April 2022". Wouldn't this mean the DOFD was 7 years prior to April 2022 so approx. April 2015? Experian is also listing this as OPEN. Transunion: Never verified or completed investigation. Their website state "Estimated competition May 31st, 2019". But this date changes every time I check. Should I request deletion based on this? Question 1: Should I send a MOV letter for these disputes and give them 15 days? or is it too late now since this was in Oct 2018? Question 2: Should I send a new dispute verifying ownership and if verified the send MOV for the verification of ownership? Question 3: Should I request deletion from Transunion since the investigation failed to be completed within 30 days? What's interesting is they both verified these accounts as Open, with Terms 1 month, with a high balance of $XXXX, etc. but now they are correctly listed as a collection so they verified an account that was reported incorrectly. How can I use this to my advantage? Quote Link to comment Share on other sites More sharing options...
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