Disputed accounts with CA's. Got green card back and sent off letter to CRA's. Accounts were deleted at end of 30 days. Never heard from CA. Today, 2 weeks later, accounts are back. Same CA, different account numbers. Can they do that?
I recieved nothing! This happens to be a CA I will be filing suit on Monday. The accounts were deleted by 2 CRA's, but updated on EX. I have followed the proper sequence of events so I know I'm covered there. Do I include this in my Monday filing, or go the whole route again? I believe this to be retaliation!
Re: Re: Can they do this? That's exactly what it is. Yes add this to your suit. If it were mine I'd be going for major bucks in federal court This is more blatently illegal than reaging. I'd throw EQ in there too. Good Luck gmaof.
Re: Re: Can they do this? From the EQ site: Check your credit file periodically to see that information that has been removed has not been re-inserted. (Deleted information may not be re-inserted into your file unless the agency takes steps to have the source of the information certify that it is complete and accurate.) Depending on how you file and what state you're in you may have an opportunity for discovery. I'd demand a copy of this certification. Which of course they don't have. Same thing's on TU too but I don't know where. LKH knows. Go track him down on Creditboards. .
Re: Re: Can they do this? They reinserted it with a different account number. Does that make any difference?
Re: Re: Can they do this? technically, yes, and no... to you, yes it makes a big difference... if the ca was under a validation request, and hasn't provided the documentation, its another case of collection activity following the receipt of the validation of debts request. to the cra, since it has a new account number they have no way of 'knowing' that this is the same account. however, you could try disputing the new tradeline as an illegal re-insertion of a deleted unverifiable tradeline, and let the cras know that you know that this is the same tradeline. i've had ex refuse to validate a blatent duplicate tradeline because the company just added random gobbledygook to the end of the account number so that they could list the account twice, the one from the month before, and the updates... even a trained (or for that matter an UNTRAINED) monkey could tell the difference between the two... surprisingly when i wrote their lawyer to tell them to get their client to report legally, the duplicate was deleted (and, this is when i found out that the account was in the process of being resolved by a federal trade commission settlement because the oc had committed mega cases of fraud...
Re: Re: Can they do this? Thank you so much. I will try that. It was only on two CRA reports before, TU & EQ, now it is on TU & EX. Do I need to restart the process with EX since they had nothing to do with it the first time?
Re: Re: Can they do this? in that case, i'ld dispute to tu as an illegal re-insertion of the previously unverifiable information, and dispute it the original way that you disputed it with the other cras for the new tradeline. to be safe, in case they try to wiggle "the validation was only for acct #, xxxx, this is acct #, yyyy." i'ld send another validation letter for the new account number to have them cornered. remember that reporting to each cra, is a separate collection activity... mailing the dispute to the cras like before when you get the new green card back.
