I was an AU on a credit card and I had my named removed from it. (It had late pays) The credit card company sent me a letter saying they removed my name from the account and would notify the CRA's that I was no longer responsible for the balance. After it still being on my report months later. I disputed it with the CRA's on 05/03/04. Eqx and TU deleted it but it came back verified from Exp. So I sent a letter to the credit card company about it. This is their response: (I changed the company name to Dumbasses) According to *Dumbasses* records, pursuant to your request, *Dumbasses* has not reported on your credit bureau since March 16, 2004. As you may be aware, the credit reporting agencies are independent of *Dumbasses* and, after we make the request, it may take them up to 45 days for this request to be reflected on your credit bureau. Unfortunately, since *Dumbasses* has no control over the credit reporting agencies, we cannot control when this change is reflected on your bureau. As a courtesy to you, I have submitted a second request to the bureaus. *Dumbasses* has fully complied with federal law (the Equal Credit Opportunity Act), which requires that this account be reported on your behalf to the credit reporting agencies. However, even if this reporting was inappropriate (which it is not), you will be unable to prove any damages since the account is not reporting in a derogatory manner. I believe that *Dumbasses* has fully satisfied its obligations and, as a courtesy, asked the credit reporting agencies to delete this tradeline from your bureau. This should satisfy your requests. So what do I do now? They verified that the account was mine even after they told me they would notify the CRA's that it wasn't?? Also, do I have to have damages wouldn't it just be a $1000 violation because they verified it with Exp. after they said I was no longer responsible for the account. Am I missing something here, is this not a FCRA violation??? Whar part of the FCRA section 623 would this be? Thank you.
The problem might not be *Dumbasses* as you call them, but Experian. They are notorious for clearly not investigating accounts even when they are required by law to do so. Sending a request for investigation to them and then receiving a response a week later with simply the words, "results remain," is no such investigation. I would send Experian a copy of the letter that *Dumbasses* sent you and state that the tradeline be deleted immediately or that they will face legal action. Good luck!
I was an AU on a credit card and I had my named removed from it. (It had late pays) *The credit card company sent me a letter saying they removed my name from the account and would notify the CRA's that I was no longer responsible for the balance. icanfixit =============== What do they mean by no longer- just being an AU you never were responsible ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
after they said I was no longer responsible for the account. icanfixit ============== How did they ever get that you were ever responsible for the account is the part I'm not getting. ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <>
