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A collection agency from whom I received no dunning letter whatsoever just poisoned my EX report with an old medical collection that was removed roughly 3 years ago from all of my reports - plunging my EX score 57 points :angry:.  Nothing has hit my EQ or TU reports yet.

 

Thankfully, having been down this route before, and with the help this this forum, I know what to do.  I was tempted to click on the dispute button on the Experian site, but I remembered that doing everything via snail-mail is highly recommended.

 

WhyChat, if there is anything else, other than reviewing your site with all of the directions, that I need to do, let me have it.

 

First step, opt out.

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If I'm following the instructions correctly, I would first send the blue dispute letter form, handwritten, to the CRA via priority mail with proof of delivery only and wait for a response.

 

OR...

 

Once I verify that this is one medical collection that was previous removed, I would send out the letter to the CRA re: reinsertion?

 

Please advise :-)

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8 hours ago, Emperess said:

If I'm following the instructions correctly, I would first send the blue dispute letter form, handwritten, to the CRA via priority mail with proof of delivery only and wait for a response?

 

Please advise 🙂

Had to modify my post after realizing I should've spent more time proofreading.  Consumer Adjustment Bureau is the CA that reported to Experian.

 

This is for a medical collection that appeared on my reports three years ago.  Using the tips I learned from this forum, I had successfully got it removed at that time.  Today it reappeared and my score dropped. 

 

 know I still have the letter from Experian, as well as all the other paperwork from that time.  

What's my next move?  Do I do as stated in my quote above, or take another course of action?

 

 

Edited by Emperess

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so this was removed via an FCRA based dispute? Did EX send you a reinsertion letter/notification?

 

Assuming you have proof the deletion was the result of a dispute and EX did not send you a reinsertion notification, I would not start by mailing crayon letters.

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4 hours ago, hegemony said:

so this was removed via an FCRA based dispute? Did EX send you a reinsertion letter/notification?

 

Assuming you have proof the deletion was the result of a dispute and EX did not send you a reinsertion notification, I would not start by mailing crayon letters.

It's the same medical account that WhyChat helped me with in this thread:

Starting on page 4, fourth post from the bottom.  The account had popped up on my EQ, EX and TU reports.

 

I sent an initial dispute using WhyChat's initial dispute letter in November 2017.  TU and EQ removed the account.  I received a boilerplate response from EX in December 2017. 

 

Per WhyChat's instructions, I prepared a medical DV and mailed it to the CA.  Shortly afterwards, I looked at my EX via the backdoor route and noticed the account was removed.  Early 2018 I received updated credit reports from all three CRAs with that medical collection gone - until today.  It's only appearing on EX.

I had never received any response to the medical DV I had sent.

 

I have not received any notification of reinsertion from EX.

 

I've run into a snag that I hope will unravel itself.  I kept everything but can't find any letters from EX confirming the deletion.  I'm hoping it got misplaced and buried underneath or in between other papers.  It HAS to be here somewhere.😧

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Start over;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

It is more than likely that your opt out expired and you are the victim of a JDB. Have you applied for a mortgage recently??

Yes, send the initial dispute letter

https://whychat.me/hipaadisp.html

It will likely get you the deletion you need

 

(note to Hegenomy--the HIPAA letter program doesn't use crayon)

 

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8 hours ago, Why Chat said:

Start over;

https://whychat.me/GUIDEBOOK.html

https://whychat.me/GUIDE HIPAA PROGRAM.html

It is more than likely that your opt out expired and you are the victim of a JDBMy thoughts exactly, which is why I opted out again yesterday.

Have you applied for a mortgage recently??  No.  It's on my radar but not for another year or two.

Yes, send the initial dispute letter

https://whychat.me/hipaadisp.html

It will likely get you the deletion you need

 

(note to Hegenomy--the HIPAA letter program doesn't use crayon)

 

Thank you, WhyChat.  I'll send the initial dispute letter and wait for the response.  When I did this before, I wrote in cursive.  Does it matter if I print?

 

Note to Hegenomy--I'll be using black ink...lol

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1 hour ago, hegemony said:

if this is an improper reinsertion, why not deal with it as such?

Over 2 years since original successful dispute.

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2 hours ago, Why Chat said:

Over 2 years since original successful dispute.

I'm just trying to understand why dealing with it as an improper reinsertion doesn't have more upside than starting all over.

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I'm curious to know the answer to Hegemony's question as well. 

 

Why would sending your Letter to Credit Bureau-Reinsertion not be an option in this case?  Is it because I may not be able to locate the EX letter confirming deletion?

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4 hours ago, Emperess said:

Thank you, WhyChat.  I'll send the initial dispute letter and wait for the response.  When I did this before, I wrote in cursive.  Does it matter if I print?

 

 

You can disregard this question.  I see that we can use the Word version of the dispute form and use the font you mentioned.

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To successfully dispute anything with anyone you need to know that they have access to the records you are disputing. The CRAs would have long since eradicated records of anything over 2 years old.

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3 hours ago, Why Chat said:

To successfully dispute anything with anyone you need to know that they have access to the records you are disputing. The CRAs would have long since eradicated records of anything over 2 years old.

Thanks, WhyChat.

Edited by Emperess

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This CA  (which actually goes by the name Consumer Adjustment Co) keeps flagging my EX report every two or three days, prompting a notification that the same collection has been added to my report.  My score hasn't changed, however.  I

 

Can they do this?

 

 

Edited by Emperess

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10 hours ago, hegemony said:

what do you mean by "flagging"

I've received three alerts on different dates from Experian, notifying me that my report was flagged with a collection.  It's referring to the same collection that's mentioned in this thread.

 

As far as I can tell, it's the only collection. Why am I getting recurring alerts the same collection?

 

 

Edited by Emperess

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Experian likes to stir things up. Just follow the guides. It is possible that your dispute created at least one of these "flags". I assume you are signed in to Experian which is why ANY activity on this JBD account gets "flagged".

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Hope everyone is enjoying your Friday 😁

 

Today I received notifications from Experian that my dispute was received and would be completed by December 10th, and hours later I was notified that the collection was removed.  My score went back up to 711.

 

There was a time when something like this would leave me in tears and feeling helpless. Not anymore, thanks to Creditboards.com. You all rock!

 

Thanks so much, WhyChat.

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