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I filed complaint with FTC on 6th Jan. I just pulled my Credit Report today before sending follow up dispute to CRA. I am glad to report that Collection account is deleted and credit score is back. Really appreciate help from this forum. Regards and take care.

After filing complaint when i dispute again with Experian which letter should i use?

Also while filing FTC complaint. Which company should i name for this question. Do you know the name of the company/individual involved in your complaint, or do you have any other information about them? Should it be CA or CRA?

When i dispute again with the copy of FTC complaint which letter should i use.

What is the proper process to file the complaint and what will be next steps to handle the complaint.

I called Experian. I could not get to Supervisor she transfered me to Voicemail. I left a message but no response yet. While i was talking to Agent she said that Experian sent me a letter stating the process of investigation in response to my "Followup Letter". I did receive that letter on Sep 28th but did not get any letter or response after that. She said that they are not going to re investigate until i provide them more information. Why i am suppose to give them information. Please help me out here. So should i file complaint with FTC or some other process is needed. Regards.

Any one for next steps.. Should i file complaint or there shoule be another process.

Hi Why Chat, What should be my next step.

Hi There, I had two accounts on my wife's credit report which were reported as PAID. I followed the process as described by Why Chat and it worked. Here is the link http://creditboards.com/forums/index.php?showtopic=410142 Now I have one account on my credit report which was initially paid to CA and when i disputed account i received letter from CRA (Experian) that it has been verified before. After that i followed the process by sending this letter to CA (CMRR) http://whychat.5u.com/ltrcavalhipaa.html#PAID and then follow up to CRA using this letter (CMRR) http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE I have green card from both and It has been more than 45 days and no response from CA and CRA. What should be the next steps?

Great News. I finally received updated credit report from Experian. On reports it says both accounts as deleted. Also pulled the credit report to verify and there is not more CO on my credit report. Thanks again for great forum and help.

Just wanted to clarify that i paid to balance to CA because at that time i did not know that they have reported to CRA. In this should i still use the PreHIPPA because i read somewhere that it will not work if collection is paid to Collection Agency. Please advice.

Hi there, I am new to this forum. When i pulled my report i noticed two collections were reported on my report by Experian only. First One: Date Opened: 09/2008 Date of Status: 03/2009 Reported Since: 11/2008 Last Reported Date: 03/2009 Status: Paid,Closed. Other one: Status: Paid,Closed. Date Opened: 10/2008 Date of Status: 01/2009 Reported Since: 12/2008 Last Reported Date: 01/2009 I have opted out and disputed one address which was wrong. What do you recommend in my case. Thanks in advance.