Hi! I thought I would share the letter that "worked" after several entries came back verified..... I played ignorant a bit, and overexplained (since they don't seem to understand most of what I sent them in January) so if that sort of thing offends you, don't do it!

(For example, my sister has a student loan at F & M Bank, how could I know which bank it was? ....) I got a total of 5 deletions between Equifax & Transunion with this letter. Outcome is still pending with Experian...

March 01, 2002

CRA
1 Stupid Road
Black Hole, TX


RE: Dispute Letter of 02/06/2002


Dear Sir/Madame:

It seems that there has been a misunderstanding. I received your response to my initial dispute dated 02/19/2002 and you have not initiated an investigation but instead attempted to respond with an explanation of the information in my report. It is my understanding that it is NOT your job to do this; in accordance with the Fair Credit Reporting Act, you should have verified these disputes with the creditors that provided you with the reported items. In other words, it is not your job to explain the entries in my credit file; but it is the job of the creditors to provide YOU with an explanation/verification. All I am asking is that you investigate these items and request verification from the creditors.

I am not sure if I was clear in my first letter, so I have attached a copy of all of our communications thus far in order to help you clear up this matter smoothly and painlessly. I have also attached copies of the entries in question to help you understand what I am referencing -- I have kept copies of these for my personal records, should you choose to not comply with my request.

I am writing to ask that you INVESTIGATE the following entries in accordance with the FCRA regulations. (I have attached a copy of your obligations under this Act printed from the FTC website.) I am disputing the information contained in the following items. (See attachments)


Item 1-A: Wachovia Bank Card Services
Item 1-B: Wachovia Bankcard
Item 1-C: National Revenue Corporation

Items 1-A, 1-B, 1-C:

These are all 3 listed as separate accounts originating from the same creditor -- Wachovia Bank. This makes it appear as if I held 3 different accounts. As National Revenue Corporation now (apparently) owns this debt, I ask that you verify all 3 debts. The balance amounts, “date of status”, AND account numbers differ. The information in 1-A and 1-B is inaccurate as National Revenue Corporation acquired this account in 02/2000. Both Wachovia entries are “re-aged” -- meaning that the first date of delinquency differs.

Please ask the creditors to correct or verify this misleading information and take the time to forward a corrected credit profile to me AND all creditors who have received a copy within the last six months. The resolution of these items is simple -- there should only be 1 record as I previously held ONE account with Wachovia Bank Card Services. If your company is able to merge these records into one without outside interference, it would save both you and me time in the long run!

I am writing to ask that you INVESTIGATE the following entries in accordance with the FCRA regulations. (I have attached a copy of your obligations under this Act printed from the FTC website.) I am disputing the information contained in the following items. (See attachments)


Item 2-A: Genesis Financial Solu
Item 2-B: United Credit National B

Item 2A and 2B

I previously notified you that I recognize neither creditor in these entries, although the account numbers appear the same. I do not believe that this is an account I applied for or held. Furthermore, for 2-B, the information cannot be correct as the date the account was listed as “Open” is 04/2000 yet it is also listed as reported since “05/1999”. The date of “status” also differs. Obviously, this information is illegally being reported. (My sister has actually let me know that she has held a student loan account with United Bank. I am not sure if this is the same creditor, but it would explain the mystery.... ) In any event, I need this mystery solved. Please investigate and remove this entry ASAP.


Federal law requires you to respond to this dispute letter within thirty days and investigate the information in question. Additionally, please provide the name, address, and telephone number of each credit grantor so I can contact them in the future regarding these disputes.

I appreciate the time you have taken to investigate this matter. If you would like to speak with me regarding this letter or any other correspondence, please feel free to email or write me.


Sincerely,


Me

Attached: Disputed items 1-A, 1-B, 1-C, 2-A, 2-B

Enclosed: Your Letter of 02/19/2002, my original dispute letter of 02-06/2002, “A Summary of Your Rights Under the Fair Credit Reporting Act” from the FTC’s website

wow! otustanding and very maticulous. Iam going to right them and handfeed them like you have. Not on your same matter, but on wrong entries that target is telling me repeatedly they have not varified 60 and 90 day late pays ever, on my credit report but transunion just doesn't seem to get it.

Just excellent, Melissa!!! This goes in my "letter examples" file on the hard drive. :)

Doc