Need help to dispute a collection account. These two accounts listed below are the same. Chase is the OC and Asset is the CA...Transunion has Chase coming off in 11/2006, which is right, however Asset is coming off in 05/2007. This can't be right. How can I get this corrected ? ASSET ACCEPTANCE CORP # xxxxxxxxxx PO BOX 2036 WARREN, MI 48090-2036 (800) 545-9931 Balance: $ 4,713 Date Updated: 07/2006 Original Balance: $ 3,962 Original Creditor: CHASE MANHATTAN BANK Past Due: >$ 4,713< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Open Account - Factoring Company Account Remark: Account information disputed by consumer Date placed for collection: 01/2004 Estimated date that this item will be removed: 05/2007 ---------------------------------------------------------- CHASE NA # xxxxxxxxxxxxxxxxxx 800 BROOKS EDGE BL WESTERVILLE, OH 43081 (800) 945-2006 Balance: $ 0 Date Verified: 05/2005 High Balance: $ 5,089 Collateral: CHEM BK SOLD TO ABC Credit Limit: $ 5,000 Past Due: $ 0 Pay Status: >Payment after charge off/collection< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 11/1991 Date Closed: 06/2000 Date Paid: 06/2000 Loan Type: Revolving Account - Credit Card Remark: Purchased by another lender Estimated date that this item will be removed: 11/2006 Please advise....Thanks in advance
Had similar situation Hello there. I had or am stilling working on a similar situation. Alledged account. Citibank. C/O then sold to JDB.. JDB is Asset also.. Both were reported on my CRs. I went the basic route. Disputed with the CRA,s as NOT MINE.. Citibank fell off rather quickly and on all 3 CRAs.. They had no proof.. Then I disputed again as NOT MINE and this was concerning Asset. It fell off Eq on the first round.They did,nt get back with in the required 30 days..It stayed on TU and Ex.. So I shot off DV letters to Asset.. They sent back their usual bogus 1 page crap.. I sent copies of that to TU & Ex.. Both only wanted to investigate..luckily 30 days later is was off TU.. It is still on Ex. I have just sent off one last letter to Asset..I hope it does the trick. If not I maybe heading to court.. I,m in TX so the SOL has long expired.. Thats what worked for me. Make sure you read thru this site and listen to the gurus here.take it one step at a time and be persistent with the disputing. Also since Asset is on your report.Dont stress yourself out to much. They are one of the worst CAs but they do make mistakes and they try to get away with anything.Mostly because to many consumers just have not learned how to fight back.. Goodluck. You can do it. PS. While you are at it. Keep track of the constant changes to the amount owed. Asset likes to add on different amounts as they see fit.They will do it every 10 days 14 days 19 days or whatever day they just feel like turning the screws tighter.Unlike OCs who normally report every billing cycle. frioguy
