I got my Experian results back today. First, a little history....Several 30 day late mortgages were removed, then re-added. They did not contact me like they should have. BTW I was really late. They were removed with CHOD. So, I dispute them. The mortgage is now closed (as of Feb). It came back verified AND still open. What should be my next step here?
It sounds like a violation. Do you have copies of the report that you received when they first notified you of removal of lates?
Send copy of the report, and also review the FCRA re: reinsertion. Remind them of their obligations, and to remove the late notations in question, since they did not follow procedures.
