I had a unpaid charge-off listed on my three major reports by Unifund, bought from Providian. I sent validation request to Unifund in August 2003, when I got the green card back I disputed with all three CRA's. All three deleted the Unifund listing, and even the Unifund inquiries. Unifund never replies to my validation letter. Fast forward to today. I got a copy of my Innovis report in the mail today. Guess what, the only listing is from Unifund. And here is the kicker. Information last recieved from source 10/2003. I am sure they cant report this after recieving my letter and not responding. So what do I do now? I do not just want deletion. These clowns obviously cannot prove this debt, so they go and list it with Innovis. I want some $. How would you handle this?
As far as I know Innovis is not a major player in the CRA game -yet. I'd let it slide for now, Unifund might try to reinsert on the other three.
Agree with dixidriftr that Innovis is not a major bureau like EXP, EQ and TU; but I would go full throttle at Unifund for listing this debt on your credit report and demand $1000 for statutory damages. Why pass up free money?
SEND A $1,000 LETTER--$500 FOR PROMT PAYMENT (10 days) then they can keep the Unifund on their report...(the small #4 of the BIG 3)
