81 replies to this topic

[Why Chat]

Yes, I understand what happened now. However, I sent this copy of student loan displaying my address , in lieu of a bill, as I do not have other bills in my name. Is the average joe supposed to know the inner workings of the cra's computer systems? I do see my mistake now, but why am I supposed to know that a computer is going to read this $hit and screw me up? As a simple consumer/credit user, I believed a human or similar would read my letter, I was never advised otherwise. My student loan is proof of my address...

I mean, my letter clearly states I was disputing the med acct, not the student loan. Does the computer system only read letters til it finds a match w the first acct it encounters. That's pretty flawed. What if my identifying "utility" bill was also a bad tradeline? Would cra stop reading and dispute the utility? That seems stupid. They didn't send a letter or write a law explaining how there computers work, did I miss it?!?

Anyway, everything has long since cleared EQ. This is OLD news. What action do suggest for EQ now? My simultaneous effort is w EX, although it is the same bad debt, it is with a different ca and I am handling separately.

I feel like I am getting close w all of this. I feel 60/40, my favor.

Thx

OK, I have lost track of where you are in the dispute process--

You have sent the initial dispute letter
You have sent the medical DV to the reporting CAs?
http://www.whychat.5...cavalhipaa.html
You have sent the follow up dispute to the CRAs?
http://www.whychat.5...aa.html#DISPUTE

[brobins75]

Yes, I know, really long + confsuing thread. Hopefully it will end soon.

EX- under control for now. Central financial control

EQ- sent CA DV (syndicated office systems). Sent initial dispute. EQ VERIFIED. Sent followup dispute and EQ hit me w a fraud alert and told me to resubmit w proof of ID. I screwed up and sent a copy of a student loan as part of my proof of ID. They disputed the Student Loan and ignored the rest of my letter requesting a reinvestigation of med ca. So in theory, I guess I haven't sent EQ the followup since they misread my letter. Its been over 6 weeks now. Do I just send a new followup or is it too late? Or something else?

[Why Chat]

Yes, I know, really long + confsuing thread. Hopefully it will end soon.

EX- under control for now. Central financial control

EQ- sent CA DV ?? what DV-- this??
http://www.whychat.5...cavalhipaa.html

(syndicated office systems). Sent initial dispute. EQ VERIFIED. Sent followup dispute and EQ hit me w a fraud alert and told me to resubmit w proof of ID. I screwed up and sent a copy of a student loan as part of my proof of ID. They disputed the Student Loan and ignored the rest of my letter requesting a reinvestigation of med ca. So in theory, I guess I haven't sent EQ the followup since they misread my letter. Its been over 6 weeks now. Do I just send a new followup or is it too late? Or something else?

If you sent the medical DV to the reporting CA, then you should send Eq. the follow up dispute:
http://www.whychat.5...aa.html#DISPUTE

[brobins75]

Ok whychat, im gonna try to keep this simple (didnt work). Im dealing with EX only in this post.

1. Sent initial EX dispute which resulted in an "update" but nothing i could find was updated...
2. Sent MED DV to CA,, which was returned to sender as UNDELIVERABLE. I have the unopened cmrr letter.
3. Sent Followup dispute to EX by mistake. I should have disputed due to undeliverable address but i jumped the gun and sent(it's still reporting the incorrect ca address). I have received no response from EX to the followup letter.

4. EX refused to Redispute.

5. Filed FTC complaint and sent followup to EX with copy of Complaint

6. sometime after FTC complaint, EX updated the CA Address to correct. However, I have proof from them, that it was not updated at the time of my disputes and their responses. In other words, i have the letter from them stating they verified, yet the Report they sent me still showed the INCORRECT CA ADDRESS. along with multiple other EX reports that prove the address was never updated until after the FTC dispute. so they should have deleted this CA. now it shows the correct CA address.

7. per your instruction in post 72, i resent DV to correct CA address cmrr on 5/14 and i received confirmation they received it on friday evening 5/18 (never, ever got a response from ca). First thing on monday morning 5/21 i sent combo dispute in post 72 to EX.

8. about 2 weeks ago i received several letters from EX stating new addresses appearing on my report. They have sent me these during a dispute before. I ignored them. they always send a new apt number for my address. and i have no reason for new addresses to appear, i dont do anything with my credit to warrant it.

9. i receive a report from EX that was very vague. it did not say my redispute was denied, but it had a blank page where the outcome was supposed to be, and said "if blank, the outcome was on previous page". well there was no outcome. it was very vague and just said "this is how we look into these things". but no specific answer. The account is still on my report with the new CA address.

so i guess it has been almost 30 days now, as i mailed dispute to EX 30 days ago. it took a day or two to reach them. Im wondering if the letters they sent a couple weeks ago were an attempt to trick me to contact them with "additional information"? I have not contacted them. and this time i preempted there trick and provided my identification in advance, id and utility bill. so they can pull that one.

What do u suggest next?

Also, if this fails, can i wait (how long?) and start this process all over again and make sure i do it by the book?

thanks, i know my posts are hard to follow....

b

[brobins75]

?

[brobins75]

so i guess its time to give up?

[Why Chat]

so i guess its time to give up?

The only people who truly fail in life are those who give up trying.
Remember Babe Ruth was the "SULTAN OF SWAT" a home run champion, but he was ALSO the "STRIKE OUT KING"

Dealing with Experian is a problem because they believe in following their OWN rules instead of the law.

However, give it a rest for 60 days from your last communication with any CRA where this account is still showing.

Go on line to their website and dispute the account as "obsolete"