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THIS IS A POLITICS-FREE ZONE.

Mighta cracked EX's "Prev. Invest." letter

Male Nurse

By Male Nurse
in Credit Forum

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The last post in this topic was posted 5338 days ago. 

 

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Male Nurse

Male Nurse

Posted
Posted

Ok so I took the "new approach" the first time... disputed 6 CA's that they have been telling me were "Previously investigated" for about 6 months now - I disputed every 30 days like clockwork lol. Currently the only one's left are AFNI and Ford - both of which are listed as being investigated if you log into their online site.

 

I finally got fed up with it... as soon as that letter came back after my last dispute (the new method)... I sent this one out:

----------

 

Experian - NCAC

PO Box 9701

Allen, TX 75013-9701

 

May 3, 2008

 

Experian:

 

In receipt of dispute results dated 4/17/2008 – I am greatly dismayed to see that the information which I specifically asked to be corrected and/or provided has not been changed/entered. I am requesting again that the following information be provided or corrected. IF YOU CANNOT PROVIDE/CORRECT THIS SPECIFIC INFORMATION THEN THE ACCOUNT(S) NEEDS TO BE REMOVED FROM MY REPORT IMMEDIATELY AS MANDATED BY FEDERAL LAW. “PREVIOUSLY INVESTIGATED†IS NOT AN ADEQUATE RESPONSE – AND DOES NOT EQUAL “FRIVELOUS!†If you respond in this manner again, it will be deemed to be in direct violation of federal law and WILL NOT BE TOLERATED.

 

• AFNI – #XXXX

- It is reported as an “Open†account, which is false. Please correct this or delete this trade line.

- The date of first delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- It is listed as a loan. They never provided me with a loan. Please correct this or delete this trade line.

- It reports a one month term, which is false. Please correct this or delete this trade line.

- The balance is not correct. Please correct this or delete this trade line.

- The date of first major delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- The date closed is listed as 07/2007, which is false. Please correct this or delete this trade line.

- The date of status is listed as 01/2007, which is false. Please correct this or delete this trade line.

- The end of the seven year reporting period should be listed as 02/2009. Please correct this or delete this trade line.

 

• Chase Bank USA NA – #XXXX (DELETED NOW)

- Pay status is showing “Transferred, closed/Account charged off,†which is false. Please correct this or delete this trade line.

- Date open is listed as 04/2004, which is false. Please correct this or delete this trade line.

- Date closed is listed as 01/2006, which is false. Please correct this or delete this trade line.

- It is listed as a loan. They never provided me with a loan. Please correct this or delete this trade line.

- Remarks states “dispute resolved reported by grantor,†which is false. This dispute is not resolved. Please correct this or delete this trade line.

- The high balance is listed as $ 2,808.00, which is false. Please correct this or delete this trade line.

- The end of the seven year reporting period should be listed as 02/2009. Please correct this or delete this trade line.

 

• Ford Motor Credit - #XXXX

- The pay status is listed as “Charged off†therefore there should be no balance, which is currently listed as $4,645.00. Please correct this or delete

this trade line.

- The pay status is listed as “Charged off†therefore there should be no past due amount, which is currently listed as $4,645.00. Please correct this

or delete this trade line.

- The pay status should read “Paying as agreed.†Please correct this or delete this trade line.

- The end of the seven year reporting period should be listed as 10/2009. Please correct this or delete this trade line

- It is listed as a joint account, which is false. Please correct this or delete this trade line.

- Date closed should be listed as 10/2005. Please correct this or delete this trade line.

 

• LVNV Funding LLC - #1 (DELETED NOW)

- This is not a data factoring account – which listing as such is illegal. Please correct this or delete this trade line.

- It is reported as an “Open†account, which is false. Please correct this or delete this trade line.

- The estimated date of removal for this collection agency does not match the date that the original creditor previously reported. Please correct this

or delete this trade line.

- The date of first delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- It reports a one month term, which is false. Please correct this or delete this trade line.

- The date of first major delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- The date opened is listed as 11/2006 which is false. Please correct this or delete this trade line.

- The date closed is not listed. Please correct this or delete this trade line.

- The balance is not correct. Please correct this or delete this trade line.

- It is listed as a loan. They have never provided me with a loan. Please correct this or delete this trade line.

- The end of the seven year reporting period should be listed as 09/2008. Please correct this or delete this trade line.

 

• LVNV Funding LLC - #2 (DELETED NOW)

- This is not a data factoring account – which listing as such is illegal. Please correct this or delete this trade line.

- It is reported as an “Open†account, which is false. Please correct this or delete this trade line.

- The estimated date of removal for this collection agency does not match the date that the original creditor reports. Please correct this or delete this

trade line.

- It reports a one month term, which is false. Please correct this or delete this trade line.

- The date of first delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- The date of first major delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- The date opened is listed as 11/2006, which is false. Please correct this or delete this trade line.

- The date closed is not listed. Please correct this or delete this trade line.

- The balance is not correct. Please correct this or delete this trade line.

- It is listed as a loan. They have never provided me with a loan. Please correct this or delete this trade line.

- The end of the seven year reporting period should be listed as 10/2008. Please correct this or delete this trade line.

 

• LVNV Funding LLC - #3 (DELETED NOW)

- This is not a data factoring account – which listing as such is illegal. Please correct this or delete this trade line.

- It is reported as an “Open†account, which is false. Please correct this or delete this trade line.

- The estimated date of removal for this collection agency does not match the date that the original creditor reports. Please correct this or delete this

trade line.

- The date of first delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- It reports a one month term, which is false. Please correct this or delete this trade line.

- The date of first major delinquency with the original creditor is not provided. Please correct this or delete this trade line.

- The date opened is listed as 11/2006, which is false. Please correct this or delete this trade line.

- The date closed is not listed. Please correct this or delete this trade line.

- The balance is not correct. Please correct this or delete this trade line.

- It is listed as a loan. They have never provided me with a loan. Please correct this or delete this trade line.

- The end of the seven year reporting period should be listed as 10/2008. Please correct this or delete this trade line.

 

The following personal information is INCORRECTLY LISTED on my credit report. I demand that it be removed IMMEDIATELY as mandated by the FCRA due to being COMPLETELY INACCURATE!!!

INCORRECT NAME VARIATIONS: - REMOVE IMMEDIATELY TO PREVENT ANY FRAUD POTENTIAL

(Listed all five name variations that arent my full legal name along with name ID's - no results YET)

 

INCORRECT PREVIOUS ADDRESS: - REMOVE IMMEDIATELY TO PREVENT ANY FRAUD POTENTIAL

(Listed the two incorrect previous addresses - no results YET)

 

FINALLY – REMOVE ANY/ALL FRAUD ALERTS FROM MY CREDIT FILE!!! – I have provided a copy of my social security card, driver’s license, and current utility bill as required. REMOVE THIS IMMEDIATELY.

 

Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. I’m also requesting that an updated copy of my full and complete credit report be mailed to me upon completion of your investigation – not just investigation results – as I am entitled to under federal law!!!

 

Sincerely,

-----------------------

 

I wrote this letter in a LIGHT BLUE font using MS Word 2007. Hopefully it wasnt scannable and had to be manually handled.

 

I'll update as I get results on the other two accounts. I don't think I'll lose the FORD one b/c they have updated the balance to show where it's been paid - yet its still listed as "under investigation" though...

 

SO - recap -

RESULTS:

4 CA's deleted - LVNV x's 3, CHASE

1 CA and 1 OC - still under investigation


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Guest Bree82

Guest Bree82

Posted
Posted

Yet another CB thread to be bookmarked! Way to go!!!

yellorose

yellorose

Posted
Posted

I had good luck with Ex citing the texas laws that they have to follow. basically, cite the statute, then say if you cannot fix you must delete. there's a thread on it started by walterG and I think it's near the front of the list of posts (but you've probably seen it.)

MB34

MB34

Posted
Posted
...I’m also requesting that an updated copy of my full and complete credit report be mailed to me upon completion of your investigation – not just investigation results – as I am entitled to under federal law!!!

 

Yeah, I was wondering about that, too. They say that if you want a hard copy you have to write them.

I didn't see anything in the FCRA that required them to send you a hard copy. Anyone else?

coffeejunkie

coffeejunkie

Posted
Posted
...I’m also requesting that an updated copy of my full and complete credit report be mailed to me upon completion of your investigation – not just investigation results – as I am entitled to under federal law!!!

 

Yeah, I was wondering about that, too. They say that if you want a hard copy you have to write them.

I didn't see anything in the FCRA that required them to send you a hard copy. Anyone else?

 

I just disputed an item via Certified Mail, and asked for an updated report once the dispute was resolved. They (TU) sent me the page that had the entry, as well as granted me 30 days free access to my TU report online.

 

CJ

Male Nurse

Male Nurse

Posted
  • Author
Posted
Hello everyone, just read Male Nurse awesome letter. I was wondering if I can use the same letter here in Florida?

 

I live in Arkansas - I only told them they were breaking federal law so it should apply across the board to all 50 states!

 

Again - I used a LIGHT BLUE font so their scanners would have a little trouble reading it... not too light for us to read.. but not dark enough to show up well if scanned.. hope that makes sense!

Male Nurse

Male Nurse

Posted
  • Author
Posted

Sent the same letter in the first post (in light blue font as well) to TU and EQ - so far ALL THREE LVNV ACCOUNTS ARE GONE FROM TU NOW TOO!!! The others are still "pending." I'll keep you all posted.

Houseketeer

Houseketeer

Posted
Posted

Congrats! I just got my "previously verified" letter from them yesterday after disputing using the "new method" as well (is someone gonna come up with a catchy name?? i personally call it the "jackknife").

 

I am gonna send a similar letter as male nurse. Thanks!

Male Nurse

Male Nurse

Posted
  • Author
Posted

It was only sent CM. I didnt put the CMRRR on it to keep from getting labeled "CRO" - and I handwrote the address on the envelope. I DID NOT sign my name to the letter and I included a copy of my Driv. Lic., SSC, and Utility for all three when I mailed the letters out.

 

Hope that helps!

jack1212

jack1212

Posted
Posted
It was only sent CM. I didnt put the CMRRR on it to keep from getting labeled "CRO" - and I handwrote the address on the envelope. I DID NOT sign my name to the letter and I included a copy of my Driv. Lic., SSC, and Utility for all three when I mailed the letters out.

 

Hope that helps!

 

Excellent move. It blocks their stupid stall tactics.

The last post in this topic was posted 5338 days ago. 

 

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