Paid CC Charge-offs

Hi, all! I've been reading the forum for a couple months, and boy am I impressed. Expertise and generosity abound. I already owe many 'thank-you's', even before my first post.

I have 3 paid CC charge-offs. They are my only derogs, and I'm committed to their deletion. So, I'm trying to rack up as many violations as possible. I want to ensure, however, that I'm interpreting the statutes correctly.

Based on my reading of the statute (FCRA):

1) If I dispute an account with an OC (furnisher), the OC has a duty to notify the CRA of the dispute.

Now, does this duty kick in immediately, or do I need to dispute with the CRA and hope the OC verifies without mentioning the dispute? It seems this duty exists apart from a CRA dispute.

2) An OC has a duty to investigate only in response to a CRA dispute. In other words, I see no duty for an OC to "validate" apart from a CRA dispute. (Not in the FCRA anyway).

3) If information being reported is, in fact, inaccurate, an OC has a duty not to report that information if the consumer has notified the OC that the specific info is inaccurate.

I've notified an OC that info they're reporting is inaccurate. The OC, of course, has ignored this so far. Isn't this a violation in and of itself? Do I need to dispute with the bureau to have a viable case?

Finally, is there something in the Fair Credit Billing Act that imposes a time frame on an OC to respond, investigate a consumer dispute?

Thank you in advance for your help. Hope I can return the favor.

Scrivener

 

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creditman,

Where do you get the 30-day time period for an OC to investigate, apart from a CRA dispute?

Also, I don't see where a CA has a time limit apart from a CRA dispute either.

Thanks,

Scrivener