JDB Reporting Basically... Nothing?

[FreeaAndClear]

I disputed a JDB on EX as obsolete and it was verified/updated. The thing is, it was updated to include basically no information. What is the best way to proceed? Do I dispute the line items as incorrect? Or is there any kind of "you're not really reporting anything" sort of dispute? This is well past SOL and will age off in 3 months.

 

Name: [JDB]

Original Creditor: [Major CC]

Status: "No Status"

Status Details: "This was updated from our processing of your dispute in Jan 2014"

Date Opened: 1/2009

Reported Since: 1/2009

Date of Status: 1/2009

Last Reported: "NA"

Type: "NA"

Terms: "1 month"

Monthly Payment: "NA"

Responsibility: "Individual"

Credit Limit/Original Amount: "NA"

High Balance: "NA"

Recent Balance: "NA"

Recent Payment: "NA"

Your Statement: "Account in dispute under Fair Credit Billing Act"

 

There is no Payment History or any other info. I called EX and confirmed that it is still scheduled to fall off in 3 months so they didn't re-age anything.

 

Any advice would be appreciated! It is already gone from TU. I haven't disputed it with EQ. The OC is no longer on any report.

 

[ICANHASMUNY?]

They basically just parked it.

 

file another dispute with EX;

 

If everything is " not applicable" then the entire tradeline should be deleted, as there is nothing to report that is applicable to any account.

[FreeaAndClear]

Short and sweet letter?

 

Thanks!

[ICANHASMUNY?]

Short and sweet letter?

 

Thanks!

 

And an intent to sue letter off to the JDB.

[FreeaAndClear]

Could you point me in the right direction as to what they are doing wrong? Or some key words?

 

FDCPA or FCRA or both...?

 

I'm not sure under what theory I could sue them.

 

I really appreciate it!

[ICANHASMUNY?]

inaccurate and incomplete FCRA

 

false credit reporting FDCPA.

 

http://creditboards.com/forums/index.php?showtopic=473273

[FreeaAndClear]

Thanks! I'm reading like crazy.

 

Here's a new but related question.

 

I disputed a different JDB on EX. They "updated" by adding $1 to the original high balance. Eight days after the dispute was complete, they sent their regular monthly update to EQ with the old "original high balance."

 

Can I basically argue that they were on notice regarding the dispute and the error in their reporting and failed to update EQ with the correct info? So it's no longer arguably a bonafide error and they must not have reasonable procedures in place to ensure accurate reporting?

 

The original account I asked about has not yet had its monthly update but I'm not sure that matters. Seems like they should "fix" their reporting to all CB when they discover an error. (EX is full of N/a but EQ still has all the old info.)

 

Does it matter that I haven't disputed either of these accounts on EQ yet?

 

Am I barking up the right tree or lost in space?

 

I understand how to hit them on both FDCPA and FCRA for EX but I'm not sure how to dispute the validity of N/a alone.

 

I honestly wouldn't sue them for practical reasons (unless they re-aged or sued me out of SOL.) I just want it gone and want to present them with a strong enough letter to decide I'm not worth the effort.

[FreeaAndClear]

Any thoughts or advice?

[FreeaAndClear]

Sorry for bumping this. I'm really hoping for some feedback as I'm not sure exactly what I can/should do.

[bkchild78]

Whenever you are disputing a debt with the OC & are going to threaten to sue, you first have to dispute it with the CRA first. Then when you threaten to sue in writing, you must do so. I believe you did dispute it first, but if your intentions aren't to sue, then don't use that verbiage. Maybe "I will exercise my rights to the extent of the law..." Something like that. The OC is held to the same FCRA guidelines (30 days to respond or 5 days to tell you it's frivolous. If they do not respond to your dispute within those time frames, they must delete the TL. But if it's not reporting anything, it's not hurting your file anymore is it? I hope this helps, just be very careful with the your words & always dispute with CRA's first so you can sue if you really do.

[Sandscrit]

Whenever you are disputing a debt with the OC & are going to threaten to sue, you first have to dispute it with the CRA first. Then when you threaten to sue in writing, you must do so. I believe you did dispute it first, but if your intentions aren't to sue, then don't use that verbiage. Maybe "I will exercise my rights to the extent of the law..." Something like that. The OC is held to the same FCRA guidelines (30 days to respond or 5 days to tell you it's frivolous. If they do not respond to your dispute within those time frames, they must delete the TL. But if it's not reporting anything, it's not hurting your file anymore is it? I hope this helps, just be very careful with the your words & always dispute with CRA's first so you can sue if you really do.

This is a debt buyer and not the OC, You can sue for violations anytime

[nolanryan]

Who was the collection agency that did this ?

[FreeaAndClear]

Who was the collection agency that did this ?

Not the same one as your thread. Mine was one the first names you think of when someone says JDB.

 

Mine only shows this way on EX. EQ wasn't updated and TU is already gone.

 

Also, someone mentioned on the other thread that it's maybe just a "during dispute" kinda placeholder. This is not the case for mine. EX took nearly the whole 30 days. This wasn't changed until the end of the dispute and it is how it shows on the EX "dispute complete" report mailed to me.

 

Dispute was complete a couple of weeks ago and it's still there.

 

Have you decided how to handle yours?

[nolanryan]

Mine is not a result of being in dispute either. It's not in dispute. It's like they hit the wrong button or something. I already have another dispute in the mail to Experian and have been calling trying to find a local attorney who handles fdcpa violations. There is a thread here somewhere that has a list but I couldn't find it. I'll probably start a thread asking someone to link it for me. I'll see the dispute with Experian through first and in the mean time, try to see what an attorney says. I've never sued anyone and I'm not sue happy but one thing I've learned is, the ca's don't care about you or if their mistakes are impacting your life so if they make their bed, they can lie in it.

[FreeaAndClear]

Sent D/V to JDB. Sent line item dispute to CRA.

 

This morning, gone from EX. Hope EQ follows soon.

[BW1216]

Sent D/V to JDB. Sent line item dispute to CRA.

 

This morning, gone from EX. Hope EQ follows soon.

 

Mind sharing the letter you sent to EX? Midland did the same on a T/L for me.