I tried to email you, but your email is not enabled. Mine is, I'd appreciate it if you could send me the templates you spoke of. The supervisor at Experian is supposed to call me Monday after she "checks" one more place. If she tries to bs me, I will demand a copy of the certification and the name of who certified. However, I doubt they have anything. Who knows, maybe after she sees it wasdn't done properly, she'll just delete it. Thanks
Well... do you mean the couple left will be removed due to time restrictions??? If not... I'd use this big certification error to generate a clean report. What state are you in? Do you guys have an unfair practices act? Also, you can use your state govt to help enforce laws. My state will civilly and criminally enforce laws against CRAs. I didn't know that til this week. And they take a case by case look at the violations. I guess I'm thinking.. unless the other removals are a sure thing... you may have some leverage here. If you have leverage... use it to get a completely clean report.
The removals should be for sure as I gave them written proof to get these things off. I am in Arizona. I definitely will use this as "leverage" to clean up my report. There are other violations such claiming to verify when they didn't even attempt to. Trans Union on the other hand, has not even acknowledged my letters. Maybe they'll just send me a clean report? right....
You never know what they'll send you. they're morons. I'm convinced of it. I just got my completed dispute with Experian. They just verified 4 Cap1 accounts. I have 3. One upgraded to Plat. On every other report the new tradeline updates the old. On Exp I have the old gold card... with stopped activity... then I also have the Plat showing. Now... before it was say 1500/1600... which hurts ratios (1500/5000) was correct. Now it shows 4800/1500. Yes, I have 3 times the balance as limit according to Exp. The odd thing is my score went up 8 points. This stuff makes no sense and their verification processes suck. They're morons. I put in my dispute what had happened... that the account upgraded... that I had a dumb account left that would never update... and they MADE IT WORSE. I'm going to enjoy this lawsuit thing And I may ask for a check from them for at least 1 violation plus costs. I think the consumer affairs dept would give me that.
oh. Don't be too surprised if they say they won't accept creditor stuff from YOU. AND... that's a direct violation of the FCRA. They must consider all you present.
That's right Marie. I think it was this last admendment (maybe a previous one) to FCRA that forced CRAs to accept information from the consumer. Before that, they could blow you off even more than they do now
