Howdy, I'm new to this board, but not the credit world! I have a problem that won't go away. Sherman Acq, that's right, the good old boys from Texas. Here's the situation: I had a First USA account included in a CH 7. At some point it went to Sherman. I knew not about it until I pulled my 3 reports. At first it was TL "charge off". I made the mistake of having it changed to "included CH 7 BK" Then I said, hey, why should they be able to list when First USA's debt was covered in CH 7 Next I sent a Validation request. That went unanswered. 30 days later, boom, another. No reply. I wrapped up all this paperwork, including the 2 CMRRR, and sent 1 each to all 3 CRA. Experian told me" has been disputed before". True, I did.Still waiting for EQ and TU to respond. My question is 'what do I do at this point?' Was I a fool for sending the proof to the CRA's? Sherman never reported this as "in dispute" because I checked all 3 CRA's and none listed in dispute. I'd love to just have it deleted. I have 7 more negatives associated with the CH 7 which won't fall off till 2005. Any advice or input appreciated! Mitch
1* is this the same as the cease and desist letters found in the sample letter? 0*was just notified that I have received my CRRR cards back from the 2nd validation letter. 2*Should I immediately send them an ITS letter or wait 15 more days? lisae1 ============ 1*No.It'a a letter from you to them that you are going to sue them. 0*Now you need to dispute with the CRA 2*Have you sent the CR the estoppel letter 30 days after they got your Val. L. The 15 days is after they got estoppel.
1*Sherman never reported this as "in dispute" because I checked all 3 CRA's and none listed in dispute. 2*My question is 'what do I do at this point?' 3*I had a First USA account included in a CH 7. At some point it went to Sherman. I knew not about it until I pulled my 3 reports. Mitch ================== 1*3000 in violations 2*Have you sent the CA estoppel? 3*They can't do this. THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
1. No, It was a standard validation letter sent to Sherman. They are not pursuing payment. Account shows a $0 balance. 2. Correct, I have an issue with Experian not re-investigating. I never sent an estoppel since they never pursued the debt. I was going to send an ITS to Sherman, but I am just going to sue them without telling them.I have them twice for not reporting 'in dispute' and twice for still reporting to the CRA's. Thanks for the response
