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bwnc32

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  1. Received updated Experian CR yesterday (I believe as result of a data hack/breach) For the 2 accounts above (ACCT 2 and ACCT 5) that show on this report, there is now a comment that reads "Completed investigation of FCRA dispute - consumer disagrees. This item remained unchanged from our processing of your dispute in Sep 2019."
  2. I am in the middle of disputing the below accounts, all with the same CA and original healthcare provider Initial Disputes sent mid-August (results below), DV to CA's delivered 9/12 and Follow-up to CRA's delivered 9/20. No I am waiting patiently for the CRA responses, have not received anything yet. ACCT 1: $209, open 11/16/2017, EX/TU deleted with Initial Dispute, remains on Equifax ACCT 2: $629, open 11/16/2017, remains on Experian, Transunion, and Equifax ACCT 3: $162, open 11/16/2017, EX/TU deleted with Initial Dispute, remains on Equifax ACCT 4: $100, open 11/16/2017, EX/TU deleted with Initial Dispute, remains on Equifax ACCT 5: $560, open 1/16/2018, remains on Experian, Transunion, and Equifax ACCT 6: $162, open 1/16/2018, EX/TU deleted with Initial Dispute, remains on Equifax ACCT 7: $157, open 12/6/2016, never showed on EX/TU, remains on Equifax So basically I got nowhere with Equifax on the initial disputes but had TU/EX delete 4 out of 6. Is this normal? Thanks!
  3. Thank Why Chat! Impressed with the results so far! For the accounts that only remain on Equifax, should I mention in the letter to them that they are the only CRA still showing these accounts?
  4. Update, 30 days after Initial Dispute Letters received by CRA's: Me: BCFS1: $306, deleted by all 3 CRA BCFS2: $157, deleted by EX and TU, still remains on EF (no longer shown as "in dispute" with backdoor) Wife: PMAB1: $50, deleted by EX and TU, still remains on EF (no longer shown as "in dispute" with backdoor) PMAB2: $50, deleted by EX and TU, still remains on EF (no longer shown as "in dispute" with backdoor) PMAB3: $50, deleted by EX and TU, still remains on EF (no longer shown as "in dispute" with backdoor) PMAB4: $475, deleted by TU, still remains on EX and EF (no longer shown as "in dispute" with backdoor) PMAB5: $1,233, Unpaid, deleted by TU (only report it showed up on) Thoughts on next steps? Letters to CA for accounts remaining?
  5. Update, roughly a week after Initial Dispute delivery I received a letter from Transunion saying they deleted the two Medical accounts from my report. Still no response from EX or EQ on either my wife or my accounts. I'll give them another week or so before checking the back door.
  6. Update on my wife's accounts One week after Initial Dispute Letters were delivered for my wife, Transunion sent a letter deleting the accounts. Strange thing is that the letter listed 4 (of the 5 total) accounts showing them as deleted. When I checked the backdoor to see what the deal was with the one they left off it was also missing from the report. They were the only CRA showing that 5th account anyways. So looks like they deleted all 5! Equifax backdoor shows "Consumer disputes - reinvestigation in progress" for all 4 accounts. Experian backdoor shows no dispute or status change with any of the 4 accounts.
  7. Sent the initial dispute letters for me today, and now we wait! Me: -Opt out -No change of address required -Requested EOMB's from insurer -Sent Initial Dispute letters to all 3 CRA's (3/30/17) Wife: -Opt out -No change of address required -Requested EOMB's from insurer -Sent Initial Dispute letters to all 3 CRA's (3/29/17)
  8. First, thank you Why Chat for the resources you provide on your site and through advice offered on this site. I am starting the process on removing medical collections accounts from myself and wife's CR's. Going to attempt to document the process and results here in a clear and concise manor in case I need some assistance or the info can help anyone else. Here are the accounts: Me: BCFS1: $306, Paid/Closed, date opened 5/2015 BCFS2: $157, Unpaid, date opened 12/2016 Wife: PMAB1: $50, Unpaid, date opened 1/2016 PMAB2: $50, Unpaid, date opened 5/2016 PMAB3: $50, Unpaid, date opened 5/2016 PMAB4: $475, Unpaid, date opened 4/2014 PMAB5: $1,233, Unpaid, date opened 5/2016 (ONLY ON TU report) Steps taken so far: Me: -Opt out -No change of address required -Requested EOMB's from insurer -Initial dispute letters for all 3 CRA's are prepared and ready to send Wife: -Opt out -No change of address required -Requested EOMB's from insurer -Sent Initial Dispute letters to all 3 CRA's (3/29/17) -For the Initial Dispute letters to the CRA's, I am sending one letter to each CRA listing all of the accounts. TU gets one extra account for my wife as they are the only one showing that account. Any advice, comments, or recommendations are welcome along the way, thanks!

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