I first disputed my lateness with cra's as never late , they verified the account lateness, so I disputed directly with the furnishers. in its entirety requesting evidentiary proof of the lateness. one of the oc sent me a digital printout from start to finish of my acc. with CRRR. the other oc sent me a letter that they verified the information as accurate, but because i do not agree with the way the acc. is being reported it will be given the status of "disputed by the consumer" the letter dated 1/29/04. i sent the oc a 2nd letter asking for proof ? in 2/20/04 i have yet to receive anything. i recently received my cr from all 3 cra and noticed that one of my oc closed account that stated they would place the account as being disputed is still verifing the information to the cra, but can not verify it with me what is my next step with the oc ITS or ESTOPPEL ? please guide me in the right direction. these to oc account is the only things that are still hanging around! thanx.
please guide OVERDUE in the right direction. ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
"I first disputed my lateness with cra's as never late" -Was the dispute "backed up" with any evidence you might have? -Was the account truely late and you are just hoping for deletion? "they verified the account lateness, so I disputed directly with the furnishers. in its entirety requesting evidentiary proof of the lateness" -Does your state law allow for "disputes" directly with the original creditor?? -What authority do you have to request "evidentiary proof" ? "one of the oc sent me a digital printout from start to finish of my acc. with CRRR. the other oc sent me a letter that they verified the information as accurate, but because i do not agree with the way the acc. is being reported it will be given the status of "disputed by the consumer" the letter dated 1/29/04." -That was nice of them. They are complying with the law here. "i sent the oc a 2nd letter asking for proof ? in 2/20/04 i have yet to receive anything." -Does your state law allow original creditor disputes? "i recently received my cr from all 3 cra and noticed that one of my oc closed account that stated they would place the account as being disputed is still verifing the information to the cra, but can not verify it with me" -They are NOT REQUIRED to "verify" with you. You are NOT a reporting agency. "what is my next step with the oc ITS or ESTOPPEL ?" -What would you sue for and who would you sue? -What does Estoppel do, and does it apply to debt collection? READ THIS TO START ----------->>>>>
