Can I request the credit reporting agencies to delete a file
Date: Wed, 12/06/2006 - 11:54
Per the FCRA laws, companies reporting individual accounts with
Per the FCRA laws, companies reporting individual accounts with the credit bureaus should have legitimate reasons and valid debt info. Having said that, Midland can report with the bureaus only if they have your file with them. Your request for debt validation from the company should have come answered in that case.
In such circumstances, dispute the item put by Midland with the CRA and explain your reasons of removing their entry. They will be able to fix this problem.
Thank you
I do believe you should be correct because I have confirmed this with other collecting agencies whom I have disputed with and they did not respond in time and have told me the information would be deleted. Thanks for the reaffirmation
Sometimes it can also be an error with the credit bureau while t
Sometimes it can also be an error with the credit bureau while the data was entered. Put a dispute on those items that have no reasons to stay on the credit file.
Quote:
YOUR NAME ADDRESS CITY, STATE, ZIP CODE SOCIAL SECURITY # CREDIT BUREAU NAME ADDRESS CITY, STATE, ZIP CODE Date: To Whom It May Concern: I are requesting that the item(s) listed below be immediately investigated. The account does not belong to me. Therefore, this credit report does not accurately reflect my true credit history and is detrimental to me. Credit Report Date: The following does not belong to me: Entry(ies) issued by Please return a report reflecting the result of your investigation. Should verification not be provided within 30 days, I expect the above mentioned entry(ies) to be permanently deleted from my credit report. Sincerely, Your Name |
Follow-up letter if you????????ve received no reply from a credit bureau
Quote:
YOUR NAME ADDRESS CITY, STATE, ZIP CODE SOCIAL SECURITY # CREDIT BUREAU NAME ADDRESS CITY, STATE, ZIP CODE Date: To Whom It May Concern: On (DATE) I requested an investigation of an entry(ies) that appeared on my credit report. I have not received a response from you. The Fair Credit Reporting Act requires that you respond within a reasonable period of time. Please do so or I will be forced to take further action. Sincerely, Your Name Cc: (Insert a lawyer's name here), Esquire |
The situation was not actual an error, but more a dispute
The dispute was related to the regulation on accounts that are not legally collectible. Not to state that it is was never a debt but that the collection agency had to provide proof that it is an enforceable collection, to my understanding there are two classifications of write- off: CNC- currently not collectible and Close-out. If a debt is a CNC it means cost-effective collection will continue. If it is closed out, it indicates that the agency does not intend to take any further action ( including active/ passive collection). Additionally once an agency has reported this debt to the I.R.S no further collection action may be taken by the agency, although the agency may accept voluntary payments. My dispute was base on these facts and ite was confirmed that this account is closed- and could be deleted by the original creditor/agency- so the fact that a collection company has purchased this account does not validate that I have a legal obligation to pay them. I appreicate the form, thank you for it I have a similar draft. excluding the attorney section. I might need one (PA)
kbfirst, If an error is showing up on your credit reports you ca
kbfirst, If an error is showing up on your credit reports you can dispute them with each agency. You will find on my blog site debt free atemplate letter you can use to dispute information and also a link to information about how to dispute/correct errors with each of the three CRA and their contact infomration. The links are on the right side bar/menu. Good luck and keep posting.