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wannab850

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  1. I have called the CRA's - reports have been cleared - however, the bank says that "factual data" has to be cleared as well....... and that I have to call the creditors/collection agencies....
  2. We've applied for an home equity loan -in order to remove the conditional approval - we need to remove all of the dispute remarks from our CR's. I've had success in remove from the collection agencies - however, factual data is stating that they are still showing and that I need to call the creditor/collection agency to remove "dispute" comments.... Has anyone heard of this and do I need to call the collection agencies to have them remove the comments? thanks
  3. One year later still fighting this collection..... Original account was owned by Citi - OC (this account has fallen off all CRA reports) apparently Citi sold to Synchrony/GE - who promptly sold to various JDB's ( CACH, Dynia,P & B Collection, Second Round) - each time I sent a DV - the sold to someone else. The amount they are reporting on my CR is incorrect!! - Second Round is sending me a statement "Please accept this letter as completion of our investigation into the accuracy of the debt being reported in our files" I'm stuck - CRA - says verified - Second Round keeps sending the same statement!! Help please......
  4. Had something similar to your letter - without any references to the FDCPA or FCRA.
  5. I've searched and cannot seem to find a "failed to validate" letter to send to the CRA's - can someone please point me in the right direction/ Thanks!!
  6. payments reset the SOL each time you make one. You can reset the dofd,by bringing a past due account that hasn't been charged off current. Even if you are making payments on a CO account?
  7. This is my first communication from them.....other than 2 other collection agencies representing SecondRound.. When I sent the "I dispute your claims in their entirety....." I got nothing. I am sending the following to SecondRound today: Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is disputed. This is a request for validation made pursuant to the Fair Debt collection Practices Act. Please complete and return the attached disclosure request form. Be advised that I am not requesting “verification” that you have my mailing address, I am requesting “validation;” that is, competent evidence that I have some contractual obligation to pay you. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for any attorney fees. IN addition to the above - I am sending a credit disclosure..
  8. Debt was incurred in OH - we now reside in FL
  9. This account is a little different - not real sure how to handle Originally was Citi - went to C/O Citi sold to GE Capital - Other than CA's trying to collect - never receive a bill or anything from GE Went from CA to CA - each time I did a DV - never heard anything back - except from a new CA Now Second Round has - need to figure out how to handle and the type of letter to send.
  10. Has anyone had any experience with Second Round- Austin, TX? Sent a DV to Dynia - and got a letter from Second Round - with: "We have received your claim of dispute, fraud or identity theft on the above referenced account. In order to help complete the investigation process we request you supply documents to Second Round. Please include the following: 1. If your claim is based on the account being paid prior, please supply a release of claim from the company you paid. We will also accept a settlement letter showing a due date and proof you made the payment on time. 2. If your claim is based on a disputed balance please provide us with documentation to support your claim. 3. If your claim is based on identity theft or fraud, please end us a police report listing the above referenced account as being opened using your personal information without your knowledge/permission or a notarized ID theft affidavit." Second Round is on my CR Second Round included a copy of a statement with the incorrect balance -then they are attempting to collect. Should I send the standard DV letter? Thanks,
  11. Thanks..... Help me understand - about reporting on CR's if the debt incurred in Ohio and now we live in Florida - The debt can be reported for 7 years - but the I can no longer be sued if the DOFD was more than 5 years ago?
  12. I think she meant to say ^^ You're right, I did mean that... Now I'm getting confused - here is what happened We had issues slow pay issues previously with Chase due to job loss - called them to explain the situation and we were put on the BLP (balance liquidation program) and payments from that time on until now have never been late. We were also told accounts would not be charged off if we maintained the program which we did - at the end of the term we always called to renew. Accounts never went to a collection agency - they stayed with Chase. I attempted 18 months ago to try to get the CO status removed and was denied. Want to find out the steps to take to get this removed via executives office or whichever route I need to take,

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