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  1. I have a paid subscription with Experian. My other reports refresh quarterly but I can see my Experian reports and scores daily.
  2. They still won’t budge — and they’re lying. Filed CPFB Complaint. Experian responded that one of the accounts no longer appeared (which it does) and that they would reinvestigate, follow up with results and provide an updated copy of credit report. Instead, they sent a pre-made post card explaining their role in the dispute process. I also noticed they changed the account numbers (both have the same account numbers now.)
  3. Experian reached back out saying my dispute was frivolous and that I should provide new information if I want them to reinvestigate.
  4. One is for 07/17/2017 and the other 05/16/2018 - both outside of a year. Thank you so much!
  5. For validation, it looks like some type of Account Statement? It includes: Account Number Original Creditor Patient Name, DOB Description of service: "Emergency Department V" Balance: $470 Doctor Seen Insurance + Policy #
  6. It's me again I've been following the HIPAA guide. CRA verified account. CA sent validation for both. If these were legitimate I'd probably give up by now. The insurance coverage network we were under is no longer in business, so getting EOMB or any other records seems impossible at this point. Even if I wanted to pay the original creditor instead, per the guide, there's no information about them anywhere. Validation the CA sent literally only lists OC's name but no address or phone number.
  7. If we wanted to go a different route of them just dismissing the debt (instead of compelling arbitration in a federal court) how can we enforce that? JDB hasn't responded to arb, haven't reached out to me, but collections are still on my reports.
  8. Is there any place us everyday people can learn how to file a petition to compel arb in federal court? Did you actually file or did you just threaten to file?
  9. As far as assets, can you form an LLC and have family member transfer assets to it instead of to you personally? Obviously, you'll need to speak with an attorney (I believe creditors may be able to "pierce the corporate veil" in some cases but it's worth an ask?
  10. Also the Comenity agreement says consumer has to notify them of intent to arbitrate with preferred arbitration org. Does this apply to JDB as well?
  11. Oy I was desperately trying to find the connection between the order, affidavit and arbitration! Ok got it. I don't need to file anything with the court system. The "you don't need a reason" part, the DEMAND FOR ARBITRATION Form asks you to briefly explain the dispute. I think another CB user commented something like "violated FDCPA" would suffice? You don't need to go into detail any further? They won't consider that frivolous? Don't beat me up I know I have a million questions!
  12. I feel really good about it. I’m shocked they’d have consumers back who burn them. Even after repayment. So I’m grateful!
  13. Just got off of the phone with them! Committed to paying in full for a credit line of $1,400. The LAST thing I want to worry about is another suit. Also, THANK YOU for all of your help!

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