Experian Negative TL Deletion Help - Macy

[RealMcKoy]

I have made several attempts to resolve this debt with Macys the original debt amount was $245.00 cant remember the year.. but the debt have been sold the a CA that does not report to the CRA. I sent a letter request a paid for deletion and they never responding, and sent a DV and they never responded. I am frustrated because I don't know what my next option is in order to exonerate negative TL from all three CRA.

 

DOFD: Safe to assume the DOFD = NOV/30/2010

2012 2011 2010

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

CO ND ND ND ND ND ND ND CO 180 150 120 90 60 30

 

Macy's

Address Identification Number: Blank

Status: Account charged off. $445 written off. pass due as of Jan 2012

Status details: This account is scheduled to continue on record until Aug 2017. This item w as updated from our processing of your dispute in Jul 2006.

Date Opened: 10/1998

Last reported: 1/2012 (This information is incorrect)

Comment: account closed at credit grantor's request

 

-RealMcKoy

 

 

[moosetracks]

If Macys has sold the debt to a CA you would need to be writing GW letters to Macys in an attempt to get them to remove the TL. A DV only goes to CAs/JDBs. If you have issue with the way an OC is reporting it you can dispute directly with them using a Sec 623 dispute.. Macys must also be reporting a 0 balance due if they sold the debt to a JDB.

[RealMcKoy]

If Macys has sold the debt to a CA you would need to be writing GW letters to Macys in an attempt to get them to remove the TL. A DV only goes to CAs/JDBs. If you have issue with the way an OC is reporting it you can dispute directly with them using a Sec 623 dispute.. Macys must also be reporting a 0 balance due if they sold the debt to a JDB.

Thank you for the insight! Ill send out a 623 dispute in the upcoming days.

 

 

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[TX-Bluebonnet]

 

If Macys has sold the debt to a CA you would need to be writing GW letters to Macys in an attempt to get them to remove the TL. A DV only goes to CAs/JDBs. If you have issue with the way an OC is reporting it you can dispute directly with them using a Sec 623 dispute.. Macys must also be reporting a 0 balance due if they sold the debt to a JDB.

Thank you for the insight! Ill send out a 623 dispute in the upcoming days.

 

 

Sent from my iPhone using Tapatalk

 

 

You should dispute with CRA first and wait for the result. If that doesn't get the TL updated correctly or deleted then you would send out a 623 letter to the OC.