I disputed items with Experian and Transunion. They came back verified twice by Experian and once by Transunion. Experian said they would not be reinvestigating these because they had been prevously investigated. Samw with Transunoin. I dispute these as "not mine" In order to start another reinvestigation, I disputed these as "paid never late" Am I in trouble. Will this look bad on my part?
"Paid/Never Late" contradicts the "Not Mine" dispute. "Paid/Never Late" also admits the TL is yours. Experian will not reinvestigate more than twice on the same TL, they will tell you it's "frivolous" or "previously disputed". I am not sure if you can wait for a period of time and do it again w/ them though. Did you ask for validation from the CA or OC that is on the TL first, then dispute w/ each CRA that is listing the TL? That's the effective route to go.
Re: Re: help please! I'm a newbie on this board also, so anything I tell you, is from what I've learned/read here. I just know the feeling of needing desperate help and having no responses! So I'll help you the best I can. The real experts will chime in if I'm wrong. Like TonyD said, you've contradicted yourself by first disputing "not mine" and then "paid/never late." So you are saying this debt is yours. If indeed the debt was paid and never late, or if you don't think the CRA's actually verified anything, you should demand a proceedures request. (This is what Butch was talking about the other day...you can find his thread about it) When did you send the validation letters to the CA? If you sent it before the initial dispute to the CRA's and never heard anything back from the CA within 30 days, then you were in good shape then, but not now with the double dispute with the CRA's. The only good news is that the CA can not come after you for the debt until they actually do validate. I think your only route for deletion right now, would be to wait it out with the CA. If you don't hear back within 30 days, then you send out the second validation request. (Debatable on this board, some people skip this step... but it's better to do it to build a stronger paper trail, and looks better in court). Next is your Estoppel letter (after 15 days and no response to letter 2). This is the letter you tell them to delete the TL's for failure to validate the debt. Then, if they don't comply, you send your ITS letter. All this info is on the board, including the sample letters. I think this is the route you should take. Anyone else? Good luck!
Re: Re: help please! The idea is to send valdation rqst to the CA, wait for the green cards to come back, and then dispute the TL with the CA. Then you wait for the CA to walk into violations like not notifying the CRA that you are disputing the TL, verifying the TL with the CRA and not sending you the validation, continuing collection activity while the debt is in dispute are a few violations all within a 30 day period. I actually wait 45 days, pull my CR's an look them over. If I spot any violations I wait a few more weeks and then the CA's get a letter pointing out the violations, and then use them as leverage to get deletion and or reduced debt payoffs. I have had good success with ALL deletions. Of course, I only needed one violation because these CA debts were under $200 and about 4-6 yrs old. I have not paid any yet because they could not or did not validate them with me. One sent me a feable attempt at validation for a $190 debt along with a bill demanding payment! VIOLATION!!!!! I pointed it out in my next letter to them, along with a threat of ITS, and POOF the TL was gone. Since you have already tried twice to dispute with the CRA's, I am not sure of you next move. Anyone out there have any suggestions? I am assumming the CRA is going to start getting pissy with you! Let's figure this out...give me time and I'll be back to u.
