Credit Protections Association

[rhl]

On or around 1/11/2005, I noticed on my MyFico Credit Reports for Equifax, Experian, and TransUnion, there was a Collection Account for "Credit Protections Association." Here's my timeline for dealing with this issue:

 

I can tell you from my experience that the 1-2 punch really works.

 

[military jet fighter dogfight mode on]

*radio static* "Command, Eagle 1, see 3 bogeys at 12 o'clock level, request permission to engage."

"Eagle 1, command, permission granted to engage."

 

Date.....Event

--------------

January 19, 2005 - Sent Kim's DV letter CMRRR to Credit Protection Association, Inc. to 13355 Noel Road, Suite 2100, Dallas, TX 75240-6837.

January 24, 2005 - According to usps.com, the DV letter was delivered to Credit Protections Association at 1:11pm.

January 24, 2005 - The confirmed delivery date of my DV letter to Credit Protections Association, Inc., according to the green card from Credit Protection Association.

January 26, 2005 - Physically received the green card back from Credit Protections Association.

January 28, 2005 - Sent "not mine" letter CMRRR to Equifax Credit Information Services, Inc. to P.O. Box 740241, Atlanta, GA 30374-0241

January 28, 2005 - Sent "not mine" letter CMRRR to Experian, P.O. Box 9701, Allen, TX 75013-9701.

January 28, 2005 - Sent "not mine" letter CMRRR to TransUnion Consumer Relations, P.O. Box 2000, Chester, PA 19022-2000.

January 31, 2005 - According to usps.com, my "not mine" letter to Experian was delivered at 10:25 am.

January 31, 2005 - According to usps.com, my "not mine" letter to TransUnion was delivered at 10:26 am.

February 1, 2005 - According to usps.com, my "not mine" letter to Equifax was delivered at 8:47 am.

February 1, 2005 - The confirmed delivery date of my "not mine" letter to Equifax, according to the green card from Equifax.

February 3, 2005 - Checked Equifax online dispute status, Credit Protections Association was still on my Equifax credit report.

February 3, 2005 - Checked Experian online, noticed "Credit Protections Association" has been noted "This item is currently being investigated."

February 6, 2005 - Checked Equifax online dispute status, there was an "Active Investigation Status Information" indicating that Date Investigation Started - 02/02/2005, and Estimated Completion Date - 03/04/2005.

February 7, 2005 - Physically received the green card back from Equifax.

February 9, 2005 - Checked Experian online, noticed "Credit Protections Association" has been DELETED.

 

*radio static* "Eagle 1, command, two inbound bogies on your six, do you have them in sight?"

"Command, eagle 1, affirmative, engaging."

[military jet fighter dogfight mode off]

 

So it seems like credit Protections Association wasn't able to protect itself from the almighty 1-2 punch that CB has taught me. I would like to thank CB, past and present for your help. I would like to also spark a light of hope among the newbies of CB that the 1-2 punch really works.

 

I will keep you updated what happens with Equifax and TransUnion.

[IDare]

Thanks, I needed that!

[RealtorKen]

RHL Locks in

 

 

RHLs Results!

 

[munci98]

Working on them for a friend. Basically same timeline as you but hasn't come off one CRA yet. They have marked all three in dispute however.

[rhl]

Just to make sure that any newbies following my post won't be too confused by my mention of "Kim's DV", you can find it at http://creditboards.com/forums/index.php?showtopic=18802 . It is "Post #4" by SassyinAz.

 

Also, here are copies of the dispute letters sent to the various CRAs to complete the 1-2 punch:

 

1. Experian

<your name>

<your street address>

<your city, state and zip code>

 

<date>

Experian

P.O. Box 9701

Allen, TX 75013-9701

 

CERTIFIED MAIL RETURN RECEIPT REQUESTED: XXXX XXXX XXXX XXXX XXXX

 

Re: Credit item dispute

 

To Whom It May Concern:

 

I dispute the following credit item as not my account:

 

Source      Account number

1.  CRED PROTECTIONS ASSOC  XXXXXXXXXXXX

 

Sincerely yours,

 

<signed>

 

<My Name>

Social Security Number: XXX-XX-XXXX

 

2. Equifax

<your name>

<your street address>

<your city, state and zip code>

 

<date>

Equifax Credit Information Services, Inc

P.O. Box 740241

Atlanta, GA 30374

 

CERTIFIED MAIL RETURN RECEIPT REQUESTED: XXXX XXXX XXXX XXXX XXXX

 

Re: Collection account dispute

 

To Whom It May Concern:

 

I dispute the following collection account because this item does not belong to me:

 

Collection Agency  Account #

1.  CREDIT PROTECTION                      XXXXXXXXXXX

 

Sincerely yours,

 

<signed>

 

<Your name>

Social Security Number: XXX-XX-XXXX

 

3. TransUnion

<your name>

<your street address>

<your city, state and zip code>

 

<date>

TransUnion Consumer Relations

P.O. Box 2000

Chester, PA 19022-2000

 

CERTIFIED MAIL RETURN RECEIPT REQUESTED: XXXX XXXX XXXX XXXX XXXX

 

Re: Collection record dispute

 

To Whom It May Concern:

 

I dispute the following collection record account because this is not my account:

 

Company Name  Account number

1.  CREDIT PROTECTION  XXXXXXXXXXX

 

Sincerely yours,

 

<signed>

 

<your name>

Social Security Number: XXX-XX-XXXX

 

I hope this helps.

[half-full]

I'm soooo glad you posted this as I was sending a DV letter to C.P.A. after work. This has been helpful and inspirational to myself. So thank you, I will reference this for my progress. And now to do the self-serving bump so it's easier for me to find.

[Rezin]

Awesome. I HATE CPA... They were my tough one, but eventually I got rid of them.

 

Stick it to em!

[feistyf]

CPA was an easy one for me. They fall at the site of a DV.

[MELDISHA]

They say they don't delete accounts. But I don't need them to because I hit them with a 1-2 punch and the CRAs deleted it for them. Checked EX today, and its gone. TU and EQ already got rid of them. who hoooooooooooo