On 10/7, I sent out 20 letters to OCs disputing their listings with the credit bureaus. I also sent one to a CA. In the letter, I took the Joe Blow approach and said I had found something on the report that wasn't mine and requested them to send me proof of the debt or remove it from my reports. So far, only two OC have responded. One removed their entry and the other said they were adding a note that it was in dispute to their listing. From what I'm reading on here, the next approach is to send the ones that didn't respond an 'estoppel' letter giving them 30 days to cure the damages or risk suit. Assuming they don't respond to the 2nd estoppel letter, what kind of luck will I have sending a copy of the letters, and proof of delivery, to the CRAs as evidence the debt isn't valid? So far it seems, in my disputes directly with the CRAs that Experian is much more difficult to get to delete things than Equifax or Trans Union. Has this been everyone else's experience?
I've had a terrible time w/ Experian - it's my worst report! Can't get anything deleted to save my life!
Experian is Evil. OC's - They aren't subject to the FDCPA, but you might check your state's laws. That means they don't have to validate. You will need to dispute OC accounts thru the CRA to hopefully use the FCRA against them. HTH
Yes, the FDCPA is out of the picture for the OCs, but for open accounts, the FCBA, and FCRA are in play. Yes, its only a sueable violation -- under the FCRA --after you dispute it through the CRA, but that leaves the FCBA in play.
