Does an original creditor have 30 days to respond to a request to be removed as an authorized user by the authorized user from an account or be in violation of any act? I asked to be removed from an account and to be personally sent info that they have done this and send along a signed statement to Experian that I am no longer an authorized user on the account. ( I have green cards. I have received nothing. Somehow my responsibility changed from AU to "Not Responsible". on the actual report but the account still remains. Does that not mean the same thing? How can I find out if I have been offically removed because the account is closed due to a charge off anyway? thanks
No. Unfortunately the OC is under no such time restraint to react to your request to remove an AU. No violation whatsoever. Once you dispute the AU with the OC, they do have to report all subsequent information to the CRA's with an "In-Dispute" notation though. Is the account active? If so, have the debtor call and threaten "update my account or I will close it". If it is NOT a current account, you will have to get creative. I don't have a CLUE what "Not Responsible" is for...if I am "not responsible" REMOVE IT from my report G** D*** It!! -Peace, Dave
What happens if I sent a CRR to an OC but either they no longer existed at the location (and no forwarding address) or they just never accepted the Validation request, what can I do?? Please help as I have not even received a Return Receipt back from them. It has been about 12 days. Thanks, Gavenraj
