I started the validation process with Sherman and CB& T about 90 days ago. I didn't associate the CB&T listing as being an OC so I sent both Sherman and CB&T a total of 2 letters about 40 days apart. In the dispute process with CB&T they sent me two "Affadavit of Fraud" statements a couple of weeks apart which I have not returned. TU deleted the CB&T based on my dispute. It remained with Equifax and Experian, in fact I notated I called both to dispute and don't think I got the 30 day letter. The CB&T balances on Equifax and Experian differ by almost 900 dollars. Plus CB&T has two recent hard inquiries on Equifax. One in April and one in June. As for Sherman, as of this week, they are completely gone on my reports. Does anyone have experience with these companies? I now know in the past that OSI and Gulfstate had the accounts but all those notations are gone. Is there someone next in line after Sherman that might start trying to collect or show up on my report? And what should I do about CB&T? No response to the Fraud Affadavit I would expect, but some other letter? Or just go back to Equifax and Experian and dispute based on the widely different balances? Lots of questions in this one letter but you all are great at helping everyone through this tangled web they have caught us in.
