1 Step Forward 3 Green Giant Steps BACK

[tatianna8020]

Hi All,

 

Thanks for reading my thread, I hope I am not over doing it by posting too many threads ( this is my third one) .

 

Ok here is my dilemma,

 

1. I had a JDB pop up on my CR, sent Validation they responded. In a nutshell can't validate will request for removal with CRA and they will remove my info from their database. A month to date, still on my CR . Last week Thursday called the CRA told them what has transpired, I gave info over the phone, name of the reporting CA, date of letter the CA sent it to me, and the name of the person who signed it ( which was a manager). Was told to mail it. I did the same day I am now kicking myself in the butt cause I sent it regular snail mail. I was too anxious. As of today the neg acct. is still there and it is not even marked as disputed! Is this a violation? On both parties?

 

2. Since I had 2 CA reporting the same debt I requested validation from both, last one Diversified has yet to answer my letter, not only that, they are reporting wrong dates, acct term and had the nerve to report one month as no information to report?? They haven't even reported to the CRA its in dispute... So do I:

a. send a letter YES CMRR, to the CRA stating that they failed to validate debt, send a copy of the green card and the tracking confirmation from USPS?

b. Do the above AND give a list of all the errors that the CR is reporting about this acct ( I read here that doing this will cause them to have to delete it cause its so many listed errors they wouldn't know what to chose from:http://creditboards.com/forums/index.php?showtopic=313560 )

c. or just send a letter stating that the CRA is reporting inaccurate information. List all the errors and demand it be deleted.

 

3. Will freezing all CR's look odd while disputing? I was able to get my unsecure cc so I am happy for now, I don't want any surprise I ran your credit report like Lexis-Nexis has done to me!

4. I also heard that if a CA do not mark the acct on our credit report as a dispute by the consumer once you have requested validation them it is a violation...is this correct? If so can any one site this violation?

 

5. I am open to reading any threads that may educate me and help me please post them!!!!!

I thank you all for your help!

[Analysis]

Have you deleted old addresses from each CR, then disputed accounts directly with the CRA's?

[tatianna8020]

Have you deleted old addresses from each CR, then disputed accounts directly with the CRA's?

Yes I have!! That was my first step, as well as opting out!

[tatianna8020]

Hi All,

 

Thanks for reading my thread, I hope I am not over doing it by posting too many threads ( this is my third one) .

 

Ok here is my dilemma,

 

1. I had a JDB pop up on my CR, sent Validation they responded. In a nutshell can't validate will request for removal with CRA and they will remove my info from their database. A month to date, still on my CR . Last week Thursday called the CRA told them what has transpired, I gave info over the phone, name of the reporting CA, date of letter the CA sent it to me, and the name of the person who signed it ( which was a manager). Was told to mail it. I did the same day I am now kicking myself in the butt cause I sent it regular snail mail. I was too anxious. As of today the neg acct. is still there and it is not even marked as disputed! Is this a violation? On both parties? DELETED OFF CR

 

2. Since I had 2 CA reporting the same debt I requested validation from both, last one Diversified has yet to answer my letter, not only that, they are reporting wrong dates, acct term and had the nerve to report one month as no information to report?? They haven't even reported to the CRA its in dispute... So do I:

 

a. send a letter YES CMRR, to the CRA stating that they failed to validate debt, send a copy of the green card and the tracking confirmation from USPS?

 

b. Do the above AND give a list of all the errors that the CR is reporting about this acct ( I read here that doing this will cause them to have to delete it cause its so many listed errors they wouldn't know what to chose from:http://creditboards.com/forums/index.php?showtopic=313560 ) I HAVE DECIDED TO GO AHEAD AND DO THIS TODAY VIA CM.

 

c. or just send a letter stating that the CRA is reporting inaccurate information. List all the errors and demand it be deleted.

 

3. Will freezing all CR's look odd while disputing? I was able to get my unsecured cc so I am happy for now, I don't want any surprise I ran your credit report like Lexis-Nexis has done to me!

I WENT AHEAD AND FROZE ALL MY CR'S

 

4. I also heard that if a CA do not mark the acct on our credit report as a dispute by the consumer once you have requested validation them it is a violation...is this correct? If so can any one site this violation? STILL RESEARCHING. MAY MENTION IT IN MY DISPUTE LETTER

 

5. I am open to reading any threads that may educate me and help me please post them!!!!!

I thank you all for your help!