I could really use some help on this one. I have these 2 tradelines showing on my TU report, and I honestly don't believe they are mine. If you look at the entries below, you'll see that they must be the same account since they are both from MCI (Park Dansan) for the same amount, but they show different account numbers. However, it also looks like it was reaged. (VIOLATION) What do you think would be my best course of action should be to get these quickly (I hope) removed from my report? Thanks >Collection Record< Park Dansan #XXXXXXXX Open Account >Placed for collection< Collection Agency/Attorney Updated 05/2003 Balance: $268 Individual Account Placed 04/2003 Most Owed: $268 MCI Communications 4 >Past Due: $268< >Status as of 05/2003: Collection Account< >Collection Record< Park Dansan #YYYYYYYYY Open Account >Placed for collection< Collection Agency/Attorney Updated 05/2002 Balance: $268 Individual Account Placed 04/2002 Most Owed: $268 MCI Communications >Past Due: $268< >Status as of 05/2002: Collection Account<
Hi FlaGuy. Please email me the two account numbers. Let's see how "close" they are. Have you done anything yet? ???
I'd rather not post acct numbers. However, both acct numbers are 9 digits long, and only the 1st 2 digits match 10XXXXXXX and 10XXXXXXX.
Here is what I would do... Send a Validation & Verification request to the CA explicitly stating that they are willfully and knowingly reporting inaccurate information in an effort to intentionally inflict damages to you, since you were denied because of the damage that they willfully and knowingly inflicted to your credit report, you should have a case for actual damages, as well as the statutory damages under the FDCPA and the FCRA for the reporting of knowingly false information. Then dispute the two accounts through all three CRAs (even if the two are not appearing on the other CRAs, include both of the account numbers anyway.) as being not mine/duplicate trade lines, when the CA signs for the letter.
Could I send a Validation & Verification letter to the CA, and also demand (in the same letter) that they remove the duplicate (reaged) entry? If they don't do the removal, I'll be forced to pursue litigation. Or, could I send a letter demanding removal of both entries since I have the proof that they illegally reaged the entry? Thanks
No and Yes respectively. A lot of Cnetters lately seem to be wanting to "help" your adversary correct their mistakes. The whole idea is to use those mistakes as leverage to get COMPLETE deletion of everything. "Get it off my report or we're goin to court." Johnny Cochran It's truly that simple gang. .
