Update on this...everything was deleted except the one $207 (#5 above) collection on Equifax. I disputed once again with EQ and then filed a complaint with copies of all disputes/documentation with the CFPB, and then sent a copy of the CFPB complaint to EQ. They reinvestigated and have now responded AGAIN that the debt was verified. I never received any validation or information regarding this debt from either the CA or EQ, yet they continue to say they have verified it when I cannot. What is my next step here?
Next issue, a medical collection for $383 has now popped up on all 3 reports from a JDB (Debt Recovery Solutions) for an ER Admin service. It states the account was opened in 11/2014 but we have had no recent ER visits so obviously the date is wrong and this is old, at least 3 years. Were they obligated to send me a bill or notice in the mail to give me an opportunity to request validation before reporting this to the credit bureaus? At any rate, I have started the process again by sending out the initial dispute to all 3 CRBs and will follow the guide. I had 2/3 clean reports with good scores prior to this one and hoping to get a successful deletion. After I get a response from the initial dispute I sent to CRBs, is there anything different I should do or say in my DV to the JDB for not having billed/dunned me before reporting?
Thanks, as always, for your help!