I'm down to fighting the "stuck ones" after a few years. To protect this case, I will speak in "generic terms". I have a C/O with a CC company notorious for reporting negs, and not budging. After the last round of disputing (and new results!), and speaking with them, I feel I have a strong case. But....a bit unsure on the best strategy for removal, and whether to go after Eq as well. Brief history: CC acct: C/O'd in 2001, months vary from 3/01 to 5/01 per CRs, their own information, etc. Item of note here is that they also tagged a different account number to the account at time of C/O, the "new acct #" is what shows on CRs. I have disputed this TL several times, with all possible reasons, across all CRAs. Somehow it showed up on TU "clean", "Paid As Agrees" after one.Eq and Exp have "stuck". I have also requested verification of reported info from the CC company three times, no response. The last two were ITS, still no response. So, in Sept I disputed w/Eq & Exp. as "acct # not mine". Eq came back "verified", but "updated w/ a 4/2004 C/O date vs "no date for C/O status! I've spoken to both Eq and the CC company, and I feel like I've "drawn the foul" at last. Eq stated it was "verified" by CC, and CC says they did "send a letter" to Eq re: dispute. However, the info about my "acct" from the CC company becomes muddied. They say they did not report the new C/O date, the C/O date(s) on their systems ranges over three months in 2001. They stated they have the records of receiving my letters/requests, account was (internally) marked as "disputed by consumer", but was never published on my CRs during disputes. The CC company CSRs also could not explain the different acct #, except that it "closely matches" the original acct. This "new" acct # also was listed as a "Closed/Blocked" status. (??). Currently, I am awaiting some info back from the "credit dept" of the CC comapny. She informed me that the "dispute dept." "has NO phones, and can ONLY be reached via e-mail INTERNALLY. Nice news! She e-mailed the dept requesting more info, as she could not explain the situation. She explained that the dept. MUST repsond within three business days. Also, per CSR verbals of acct info, the DOLA is different from reported on CRs, no "Date of 1st Del." listed on CRs. In brief, I have counted seven violations between the FCRA and my state laws (NH). As far as Eq, I am ready for the futile battle of requesting investigation verification, trying to leverage this new info. So, what's your take on the best strategy (for removal): Straight to suit against CC Co. (and in what court? Small Claims, Fed., etc.) Is it worth it to "Demand" evidence of investigation, knowing that means suing EQ? Or, are there other options and/or strategies I've overlooked? Sorry about the length, but a significant amount of history, and deails here on this one. Any advice is greatly appreciated. Thanks
As much as I hate to say so Biz, there really does come a time when the talking, or trying this or that, (even the stuff you may have forgotten) must be abandoned. Think Iraq. Diplomacy failed. It was time for action. Sometimes there's no other way to deal with "terrorists". PM me and I'll see if I can help. : )