Experian Negative TL Deletion Help - CHASE

[RealMcKoy]

I've don't recall having a Chase account. I think the account is an account Providian alleged I owned at some point (Providian--->WAMU--->Chase). The account was sold to Equable Finance. INC. And I was taking to court over the debt maybe two years ago. I won the case because they were not able to furnish any agreement with my signature to actually prove the account was owned by me. After several letters to Equable Finance. INC. I was able to have them remove their negative TL off all three CRA. The problem is Chase is still report the alleged debt the three CPA which is greatly impacting my credit score. Any advice on how I should go about having Chase delete the negative TL.

 

I am unable to determinate the DOFD. Its a little confusing to me Hence why I listed it this way DOFD... CLS = closed so how could I have a closed account, then several months later it reported as 30 delinquent??

 

DOFD: 2010 2009

DEC NOV OCT SEP AUG JUL JUN MAY APR MAR FEB JAN DEC NOV OCT SEP AUG JUL

CLS 180 150 120 90 60 30 CLS CLS CLS 30 CLS CLS CLS CLS CLS CLS CLS

CHASE BANK USA,

Address Identification number: BLANK

Stauts: Closed. $1,289 past due as of Dec 2010

Date Opend: 10/2001

Last Reported: 12/2010

Original Amount: $4,422

Comment: Purchased by another lender.

 

-RealMcKoy

 

[shifter]

dispute.

 

if EX just shoots back an auto-verify, escalate to the CFPB.

[RealMcKoy]

dispute.

 

if EX just shoots back an auto-verify, escalate to the CFPB.

Dispute in what grounds? The erroneous date?

 

 

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[TX-Bluebonnet]

dispute.

 

if EX just shoots back an auto-verify, escalate to the CFPB.

 

OP should at least send a 623 letter to the OC before escalating to the CFPB.

[RealMcKoy]

 

dispute.

 

if EX just shoots back an auto-verify, escalate to the CFPB.

OP should at least send a 623 letter to the OC before escalating to the CFPB.

623 letter sent out today to OC.. Green bar + certified mail. Wish me luck! I found several discrepancy with the allege debt across all three CRA. I pointed them out in the 623 letter to them, and assured them that reporting erroneous information is totally unacceptable.

 

 

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