I have two trade lines from first usa (two seperate accounts) showing paid collection more than 90 days late. dispute with CRAs was successfull on EQ but not TU or EX. I sent them(first usa) a request for proof of the debt RR they were not OC. It has been 32 days since they recieved it what should i do now? should i also send proceedure request to TU & EX? i am still a newbie so please offer any advice
What would RR mean in this context? Are you saying First USA was collecting for someone else, or bought the account from someone else?
RR is return reiept sorry! no i dont think they were collecting for someone else when i spoke to them by phone and originally ask for proof in june of this year they said they bought an old account of mine and if it had been current i would have recieved a card. I told them "Hell I never even recieved a bill!!)
I would call First USA up and ask to speak to their fraud division. Find out who they bought the account from. Tell them that you never were a card holder of XYZ Bank and ask for an afidavid of forgery. If you fill that out and send it back, they should remove the trade.
i had a freind who was considering that very move with another company. but they got scared because they actually did have a card with xyz company. do you have any suggestions for them?
