In September, I received a letter from a collection agency, I sent a VD. I then found out that the account was pulled by the OC from the CA. Unfortunately, I violated the first cardinal rule, and was using only regular mail... ;( Anyhow, however, each dispute was responded with the banks "FCBA" auto-response. "Dear Cardholder, We received an inquiry from you on xx/xx/xxxx regarding the above referenced account. Once all presented issues have been thoroghly researched and resolved, we will provide you with our response detailing the results of that investigation. If we determine that there was an error, all neccessary corrections will be reflected on a subsequent statement. Our investigation will not take longer than two full billing cycles as allowed by government regulations." Their first letter was dated in the middle of October. Their first answer had them validating the High Credit, and not the final charge off amount, their second answer and all of their subsequent answers have had them providing the final charge off amount in only their cover letter, and not in their documentation. I have been trying to force them to delete, they refuse to even though they can not provide statements to account for the discrepancy (the charge off amount was 40% less than the high credit amount.) #1 Can the copies of the letters stating that they received the inquiry be used as proof of the dispute. #2 They never updated any of the listings since January 2002; including the >ACCOUNT INFORMATION DISPUTED< notices. #3 Nitpicking farther the three credit reports side by side, I just now noticed that their info is inconsistant accross all three reports. The amounts are the same but the DOLAs and Dates of Status are in discrepancy. Equifax 09/99(DOLA) Experian 10/99 (DOLA from minusing the 7 years from the continuing on record until date), TransUnion CLOSED date 4/99 My goal is to get the account removed ASAP, the company has refused to do so, although they can't provide the hard copies of the documentation requested. I am wondering if one more dispute pointing out a large number of FCRA violations (as shown by #2, and #3) which would amount to more than the account itself if persued, would change their tune and get them to agree to delete the account finally. Thanks for any suggestions.
BTW: I wanted to add... This is my albatros account, the one which is floating at the very tippy top of my TU report... by my experience with an account which was under it in one of my first reports, it should be in the 50 point range on the FAKE TU scale if I can get it deleted... Not bad for one dispute if I can dynamite it away... Oh, I just pulled out their second letter, and in addition to referring to the account by a different account number, they also call me a different name in their "Dear" then they have right above in the address line...
