On the second of June I sent a company's local lawyer a letter saying that your client had better stop reporting inaccurate information. Little did I know that just about 3 days earlier, the FTC actually forced them to close my account, and $24 million worth of other accounts because of numerous violations, and they are under a settlement to resolve the problem. The last straw before the June letter was that all of a sudden they started appearing twice on my Experian report. Experian wouldn't dispute them as duplicates because they used a different account #, and different start dates (re-aged). They had earlier in December caused my TransUnion to split, with their entry being the *ONLY* tradeline on the second report, and a duplicate on the primary report. It took 3 months for me to find someone at TransUnion who could see that they were the same entry and re-joined the account to the primary file with the updated information. Now, today I get another copy of my TransUnion showing that they are reporting it twice again on TransUnion now. There is already a dispute pending on the original #... Hence the dilema; if TransUnion sees them as a duplicate, and joins them using the newest information, my pending dispute is lost (at least it seems like it would be) If I dispute the second account by calling them saying use the same dispute as the current dispute on their other account, and add that this account is also a duplicate. It'll be a month before this is settled. The kicker, is that the FTC settlement says that *THEY* are supposed to immediately notify the three CRAs of the resolution of the account, they haven't... So in addition to them violating the FCRA, *AGAIN* I am doing their job to try to get the CRAs to correct their tradelines in accordance with the FTC settlement. Or should I go into cyberB%!@#% mode and see if the FTC sees this current problem invalidates their settlement offer... or if the FTC can figure a way to get the CRAs to expidite the disputes...
