I really appreciate everyone's time and input on this forum. I have learned a great deal over the year and have never fealt so empowered. My question is: I sent validation to RJM for a debt that is not mine. I have 7 year fraud alerts on all three with police reports and affidavits. This validation was not within the 30 day window. RJM never responded. I disputed with experian and the account was verified and remains within 2 days. The account is not marked as in dispute, and the date updated is still the last time RJM updated not the current dispute date. So I am wondering if I should proceed against Experian, or RJM or both, or is there just an easier way to take care of this. Thank you again for your replys.
Both. You may try disputing once more the date of status and account type if Experian will allow it. If not and assuming you have damages, sue them both.
