Somewhat of a unique situation exists. Sent to an Original Creditor was a Direct Dispute Letter. Therein, concern was expressed as it relates to the way in which a defaulted credit card account is being reported. Included also was also a request to have retrieved and sent to me the historical monthly billing statements associated with the account.
A response from an individual from the Customer Service Department has been received. In short, the response was cordial, laced with numerical strings, barcodes, and other in-house notations that may or may not be of concern. This response also advises should I disagree with how the account is being reported, I may dispute with the CRAs directly, or submit another written dispute.
Made known to them prior was that the account has reported CO monthly in excess of 12 months, and also key base segment information is either wrong or missing. On many occasions, the account is verified as belonging to me when disputed with the CRAs although the crux of the dispute was not, " This Is Not My Account", but rather, "The Information Is Innaccurate".
My question to those more knowledgeable than I, and those who have encountered such, is instead of me providing copies of each tradeline from the CRAs as normally could be done, is there a method or procedure by which I can obtain records of the information furnished monthly (e-Oscar Stuff) to the CRAs from the CRA? Understood is that if such is possible, this will be codified information could be cross-referenced with CDIA/Metro 2 codes, data guidebook reporting and so on.
This is desired because it may be an option to have the data cleaned up. This is frustrating because current reporting is illogical.
is it normal to have reporting other than 30- 60- 90- 120- 150- (180-240 days) - CO - CLSD? With this creditor it is 30-90-90-90-120-120-CLS-CO-120-120-CO-CO-CO-CO-CO-CO-ND------
Thoughts, comments, guidance, is appreciated and welcomed!