DOFD on a jcp/gemb card was 06/01, TU and EQ have it correct and it actually dropped from TU / sch to drop from EQ on 04/08. EX had it on my record to drop 06/10, called jcp, got DOFD FROM THEM!!! Disputed with EX, came back validated today with a drop date of 09/09. NOW WHAT!! this is a PIF delinquent account.
Typical problem with Experian and JCP. You need to send a FACTA dispute to JCP. Tell them they have verified a reaged drop off date. The account is obsolete and you want deletion immediately.
Nah, FACTA is basically a dispute letter straight to the OC. Just spell it out in simple English (remember your audience LOL). The OC's have a lot of "outs" to not respond, so you need to be crystal clear and on point with your dispute. DOFD was xxx date. I know this because you are reporting xx date to EQ and TU, and I talked to your CSR, Jane Doe, on xx date, and she confirmed this to be true. I disputed with Experian. You have the removal date as xxx which is illegal reaging. Please correct or remove this TL immediately.
i just called GEMB/JCP and asked for DOFD, rep put me on hold,came back and said they have no dates on record be cause the account is so old, i asked for a supervisor ( i used to work in a call center)he told me to dispute with EX. explained i did and told him it was being reaged, he then told me a sup could not help me, to send a letter to jcp. so now what? i just disputed with EX again..
Wished you could have tape recorded that conversation. Write the letter to JCP as suggested earlier phone calls to EX are a waste of your life right now. "Further, in speaking with a rep of JCP on 3/13/08, I was informed that you have no dates (underscored) on record as this account is old. I am at a total loss as to how JCP could verify as accurate what they have no information for." Depending on how brave/pissed you are... "In closing, I will remind your company of the courtâ??s recent decision in Johnson v MBNA . Judge Richard Williams stated that. â??According to [MBNA], the duty to investigate means that any investigation is sufficient, no matter how cursory. Such a construction is illogical. There would be no point in having the statute, and the requirement of an investigation, if there was no qualitative component to the investigation.â? Guide your actions accordingly. (stolen from Enigma - I just like it!)
Ok, I'm gearing up for this same battle, hopefully without a court date included, but I'm willing since this is not news to anyone. This is a violation of both EX and JCP right? So if the phone conversation had been recorded, this would be for evidence against JCP in court? Or against EX for having verified? Or both? In my case the "settled" notation is only on EX and is reaged to match that date, so they did report as reaged at that point. That's all JCP then. If a letter is written to JCP and they reply that they have no record of the account, this could be sent to EX to demand a deletion on the first dispute with them? That's considering their love for "frivolous disputes." Honestly, it just seems like someone is going to have to be sued to get this corrected, and I'm trying to figure out who would back down more easily. jlynn--why would you have to be brave to add that last part? They might report a drop off of 2029 and kill your dog? I am actually NOT being sarcastic!
After MANY MANY MANY phone calls today to GEMB/JCP ( trying to dispute with experian), and EVERYONE telling me that I had to send a letter to their RECOVERY DEPT to correct/ dispute my report, I got a new rep who mistakenly gave me their phone number!! She was able to look up ALL GEMB ACCOUNTS!!! SO HERE'S AN EARLY ST PAT'S DAY TREAT>>>>>>>>>>> 1-800-552-5239
