I disputed a couple of charge-off accts with EXP, stating that the amounts were wrong, terms were wrong, high balances were incorrect, etc, but did not used dates or amounts. They sent a reponse back saying I did not specifically tell them why the info was inaccurate (which I thought I did), and "if status, dates, amounts, balances or other specific data is inaccurate, you should also indicate what the correct information should be". Is there any way around this? Isn't that doing their job for them? On the other hand, FCRA sec 611 (a)(3)(A) states: "(3) Determination that dispute is frivolous or irrelevant. (A) In general. Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. " What do you all think?
are you trying to get rid of the TLs or just correct them? You may already know this, but a chargeoff is a chargeoff. Merely having them corrected wont help your score. Have you thought about disputing them as 'Not mine'? Have you tried making the furnishers of these TLs validate? Are they paid off? I have about 10 more questions for you, lol. Also, if you admit to Exp that these are your accounts (by telling them the correct amounts, disputing the terms, etc.) it will be really hard to get them to delete the TLs down the road. Just a few things to think about.
They are mine. They are not paid off, but I'm trying to get them removed based on the inaccurate info.
I'm no expert yet, but I really think you'd have to be really lucky to get a CRA--especially Experian--to delete something because you tell them its incorrect. They'll simply correct it. Hell, a lot of the time they wont even correct it because they don't investigate. You need to dispute and/or request validation (CRRR) with the furnishers of the info (OCs, CAs, etc.) first, and then dispute with Experian, et al., when you get the green card back. from the FAQ page: " The FCRA also says the OC has 30 days to complete their investigation. So, an ideal way to make this "work" would be for the consumer to send a validation letter (modified so as to not reference the FDCPA, but still include facts from the FCRA, and making reference that the OC needs to prove what they are reporting is true) to OC and also dispute through the CRA after the consumer receives the signed green card back from the OC. That way, the OC is now locked into a 30 day time frame. "
