Well, I have been working diligently to clean up hubby's and my reports. Hubby had 4 derogs on each of the three reports. Finally, EQ and TU are clean. Exp has deleted 2 of the 4, but verified the other 2 (1 charge off and 1 0 bal cc with lates) We have all come across the situation where one thing was deleted with one cra, but verified with another. I know exp has weird ways of "verifying". How in the hec to we get exp to delete something the other cras have deleted???? It is so frustrating. They deleted my best tl because the limit was wrong. Now, they verify stuff that obviously couldnt be verified with th eother 2 cras. I am hesitant in contacting the oc's because I dont want to get them riled up to reinsert on the other 2. I know I could do a procedural request, but dont they just give you some mumbo jumbo info as to where I can write the oc, etc? I also thought of disputing the cl on one to see if this would get a deletion, since they deleted MY account when I did this. Also, not sure if exp will even let us ask for re-investigation, even if the reason is different. Frankly, I dont think they even did an investigation. I guess next step is procedural request. Does anyone know what kind of info exp gives for this? I know tu only gives the creditor name & addy and that's it.
I'm having a bit of the same problem. I am taking my chances writing the OC telling them they are in violation of the FCRA. My letter excerpt: ...you verified the notations with Equifax on my report only. I was quite surprised that a mortgage company of your caliber would continue reporting inaccurate or unverifiable information. The FCRA is very clear on matters regarding correction of errors: § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2] (b) Duties of furnishers of information upon notice of dispute. (D) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. Please remove all late notations from my Equifax report, and forward to the above address evidence of this removal. Your attention to this matter is appreciated. My theory (for what its worth LOL), is that if they by chance, but the info back on all the other reports, the chances of being notified of the reinsertion are slim to none... I may shoot myself in the foot going this way, but will keep you posted if interested.
I swear, this sucks, lol. I also thought of having hubby call them and basically asking wtf...how do you verify something that isnt verifiable??????? Hubby spoke with csc legal dept because they wouldnt delete something we had cancellaton letter for. Took em all but 5 minutes to say Okay, Mr. Nik, I will fix this right away. Now, not saying he will have the same fortune with evil exp. Definately keep me posted on what happens. Also, do cra's have a responsibility to use the same fcra onfo you stated///as far as passing on info to other cra's?
This is a back-door approach...I like it. (I re-read your post and I think I've finally had enough coffee this morning, lol...) You've got some nuts (?) to go to the oc. My luck, they would say "hmmm, we verified with exp? Well, we better re-report to the other 2!" Let me know how it works! It will be interesting, as I havent seen many cn'ers use this portion of the fcra too much.
