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  1. #1
    jturek2 is offline Newbie
    Join Date
    Jan 2005
    Posts
    6

    Creditor pd and tells me pd but not removing item from my report

    I am using Lexington Law to clean-up my credit. I have one creditor that is reporting $1600+ for a bill that has been paid by medicare. They SAY that they are not reporting the item as unpaid, but I got me report recently and there is a derogatory from them. They say that there is nothing I can do but promised me a "$0 debt balance" letter 3 weeks ago and I requested again that they send one out and they agreed to.

    My question:

    How should I use this letter to get Transunion to remove the listing?

  2. #2
    ontrack is offline Senior Member
    Join Date
    Aug 2003
    Posts
    4,708
    Have you disputed thru TU?
    Has TU notified you that the OC "verified"?

    If so, then what TU says was "verified" is what the OC is presumed to be reporting, regardless of what they say. Responding to your dispute thru TU WAS their opportunity to correct this, prior to becoming liable.

    Your position is that the OC is then liable for the error, so send them a copy of your report (redacted) showing their erroneous reporting, and demand that they remove it.

  3. #3
    BellaRuss is offline Senior Member
    Join Date
    Oct 2006
    Posts
    207
    You can't use the letter to get TU to delete or change the account on the TU CR. Follow ontrack's advice and do a very simple dispute of the account with TU: Dear TU: This account is inaccurate, please delete it from my file. Thanks, Me

    Also, if you decide to follow their lead and get it showing as a paid account, you may want to look into the Nutcase letter on the sample letters section.

    My strong preference, though, is a simple dispute through the US Mails to TU.

  4. #4
    jturek2 is offline Newbie
    Join Date
    Jan 2005
    Posts
    6
    It got removed by Lexington Law via there dispute. Apparently I thought they were disputing all the items on my account, but had missed this on in liu of some others

  5. #5
    BellaRuss is offline Senior Member
    Join Date
    Oct 2006
    Posts
    207
    Quote Originally Posted by jturek2 View Post
    It got removed by Lexington Law via there dispute. Apparently I thought they were disputing all the items on my account, but had missed this on in liu of some others
    Lex Law has a distinct financial interest in doing things very, very, slowly....because the longer they take, the more money they get from their customers.

  6. #6
    Gossioii9 is offline Newbie
    Join Date
    Mar 2009
    Posts
    2

    A wonderful article

    A wonderful article…. In my life, I have never seen a man be so selfless in helping others around him to get along and get working.

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