I recently disputed a couple of collections that were showing up on all 3 credit reports. EFX and EXP both came back as validated-remains. TUC deleted the tradelines. What gives? Thanks for the help. You guys are great. Mike
Prob - you disputed with the CRA's - they almost always verify. Send a validation letter to the CA's. I especially love the line in the letter that states "This is not a request to verify, this is a request to validate the debt." Give it 30 days, afterwards (If they don't respond) - send the estoppel letter (Validation 30 days later). After 30 days (If yet again, you get no response), THEN - dispute with the CRA's. Just make sure everything is sent CRRR - and keep a copy of your records. When you finally dispute with the CRA's - send them copies of everything, including the letters sent to the CA's. Worked for me
