623 response

[dockworker]

Am I interpreting the way 623 works incorrectly?

 

I disputed US Bank with all three CRB, requesting just about every property of the tradeline to be investigated. Investigations complete and all three have some properties that differ from each other. I wrote a 623 to US Bank requesting they investigate how they verified each report with conflicting information. I get a letter back stating the account (date from a while ago) to (JDB). They acknowledge the account is being reported to EQ, TU, and EX as transferred/sold and as they no longer own the rights to the account, to contact company they sold the debt to.

 

Aren't they required to investigate how they came across this? A side note, there is no collection account for this tradeline and there never will be due to a settlement from (a different) JDB that tried to collect on it.

 

What are my options now? CFPB?

[dockworker]

bumping for morning readers. thinking CFPB may be the best route here but wanted to see if there was a better option by someone else's experience first

[inthematrix]

Did they respond within the 30-day time frame? The tradeline is listed on your reports as US Bank, correct? I can tweak a 623 response letter that worked for me to see if it works for you.

Edited November 5, 2013 by inthematrix

[dockworker]

Did they respond within the 30-day time frame? The tradeline is listed on your reports as US Bank, correct? I can tweak a 623 response letter that worked for me to see if it works for you.

 

They did respond within the 30-day window, the tradeline is US Bank on the reports (there won't be a tradeline from a JDB as I got the last JDB to own this on a violation and have it in writing they wont report, the debt is 0, and wont sell/transfer/give that anywhere else). Any advice you have would be appreciated, thanks.