I have been disputing items with the big 3 and have got a few small things removed. I disputed tax liens with TU several times and they keep coming back with "investigation complete" and the brief enclosed "new" report still has the items listed. Also I disputed an old charge-off and the current CA as double entries, and the debt beyond SOL. The CA is re-aging. TU removed the original creditor entry but left the CA with the newer date. Everytime I dispute, I send copies of all letters, CRR's etc. and am getting more threatening, but it does not seem to be moving them except for the few small changes (they did remove a "Settled" when I said it was "paid as agreed") what next? Thanks, MAG
1*I disputed tax liens with TU several times and they keep coming back with "investigation complete" and the brief enclosed "new" report still has the items listed. 2*Also I disputed an old charge-off and the current CA as double entries, 3*and the debt beyond SOL. 4*The CA is re-aging. MAG ==================== 1*Did you get any old address associated with the tax liens removed from your repord before you disputed them?????? 2*Both the OC and the CA can list an item. 3*Just becaust it's past sol don't mean they have to remove it. 4*How do you know they are?
No, I have not done anything about past addresses. How and what is the purpose for that? I had thought I had read something previously about multiple entries for a debt. The SOL debt should be past the 7 years for the CRA, (debt started 10 years ago, should be written off at least 7 years now) plus the CA is listing the open date as I assume the date they received it, not the date it was opened with the OC or charge off. I have sent everything by CRR, and send them previous copies of everything, everytime I follow up. I have sent 2 letters to TU threatening to file complaints, and that they are not making a reasonable effort to verify. I have given them info on how and why the tax liens are not accurate, and info on the State agency that inaccurately reported them and then released them. I have told them no money was owed or paid to release these liens and they should verify through the State instead of just checking public records. I believe it was Equifax or Experian that just replied and is giving me the old "need more identification" line. In the post "Big Mess with a Federal Debt", I can't get FMHA or the Treasury to validate the debt or send the requested records, and I have stated that with the CRA's and demanded them to verify or remove. One CRA stated in their response that most of my contested items were verified (federal and the SOL debt I assume) electronically and I could list as disputed, request verification methods, yada, yada, yada... I was off to a good start with 2 or 3 CRR's to the CRA's, but now I am starting to get bogged down. Thanks, MAG
No, I have not done anything about past addresses. How and what is the purpose for that? MAG So they can't tie it to you by using the address. Call the CRA say never lived there please remove. ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> Never read the fine print. There ain't no way you're going to like it.
