Ok so I ordered my reports and of course I disputed some information on there. I got a email that said that the stuff I disputed REMAINS. What should I do next should I contact the actual creditor and ask for a verification? Please HELP...
Is the information erroneous? Is it negative? Is it on your reports longer than 7.5 years after initial date of delinquency?
YES YES NO I thought I could contact the hospital and ask them to verify it but I don't want make the wrong move. I thought when you dispute on you CR the creditor sends you a letter in the mail verifying the debt and then you can dispute it. This is frustrating and confusing and I really appreciate your response and helping me.
"I thought I could contact the hospital and ask them to verify it but I don't want make the wrong move. I thought when you dispute on you CR the creditor sends you a letter in the mail verifying the debt and then you can dispute it. This is frustrating and confusing and I really appreciate your response and helping me." When you dispute erroneous information on your CR thru the CRA, the CRA contacts the DF (the data furnisher who is reporting it, whether it is the OC, or a CA), and basically asks them if what they are reporting is correct. They migth either "verify" it, or correct it. If the hospital is reporting it erroneously, by all means contact them, notifying them that they have verified the erroneous negative information, and demand that the correct it. With OCs, sometimes it is more effective to contact them by phone first to discuss exactly what is erroneous, with written follow up addressed to a specific person to push them to correct. You could also sue, based on their erroneous verification, if necessary. What aspect of the account is being reported erroneously? Is the debt still owed?
Ok I will contact them and yes the CR is saying that this debt is still being owed. Another thing to on one of my credit reports my SSN was wrong so do you think that could have effect on the owed debt, on my report. I disputed the SSN and they changed it but the collections I disputed remained.
Are the disputed reported collections accurate? Are they your debts, without regard to whether your SSN associated with them is inaccurate, or are they someone else's debt?
They are NOT my debts I am not sure who's debt they are but I disputed them hoping to get the Collection off of my report.
If they are not your debts, then you can go to the mat, no holds barred, pull no punches, sue for damages, hire an attorney on contingency, file complaints with your state AG if they don't respond, or whatever you have to. You can be rude, and not play nice, cause it is their fault, and they owe you. Any advantage you find is fair play, since if you push it into court on that basis, they have no adequate counter-response that won't fall to discovery. Are you saying that either the hospital, or a CA collecting on the hospital debt, is collecting on a debt that is not yours, for medical services that you did not receive? Pretty much you were either there, or you were not, patient identity is routinely documented on admission, and medical services are documented in extensive detail. Alternatively, you may find that someone got medical treatment under your identity, in which case you file a police report for id theft, sending a copy of that with a signed fraud affidavit to both the OC and CRA to get removal.
"The creditor has it on my CR wrong but I am sending them a Verification letter is that Ok?" By creditor do you mean the hospital? What do you mean by a verification letter? Have you tried calling the hospital, talked to billing, and asked them what this account is doing on your credit reports, since you were never treated there? Consider it the opening negotiating move in the path of demanding removal or suing, since at this point, they have already verified the erroneous listing, and you can already proceed to court if they fail to remove promptly. Any information provided is useful for that purpose, as is even documenting another attempt to resolve the matter, should you need to go further.
Ok thanks for your great advice but another question what if something is deleted on my CR do all of the CA delete it off?
Each error with each CRA is independent. If you dispute an item thru a CRA, and it is corrected or removed at the direction of the DF (CA or OC), there is no guarantee that similar problems on your other CRs will be fixed, although you would expect a competent DF to take the opportunity to do so. In particular, if the DF simply fails to respond, and the CRA removes based on that, there is no mechanisms for one CRA to notify any other CRA to correct similar errors. (The main area where the CRAs communicate regarding a consumer file is with fraud alerts, where they are required by law to notify the others.) When dealing with an erroneously posted account that is not yours, you might therefore want to contact and demand removal by the CA or OC from all reports, even as you dispute thru the CRAs to create grounds for suing under FCRA should they fail to remove.
Also, hotgirl when disputing errors via letter for best results at the end of the letter you should Cc: Attorney John. If an attorney has to get involved just make sure it is the same attorney you've bee Cc: on your letter(s).
