Account listing disputed with the credit bureau not updating

Hi RM

Have you sent your dispute letter to the credit bureau through certified mail with return receipt requested? They need to give you the proof of their investigation if your dispute is considered as invalid.

If they have not taken any action within 30 days, a follow up letter has to be sent to speed up the legal process. If you have the proof that supports your dispute, do send it. By this time, they have to give this matter the utmost importance.

If you still don't hear anything from them, send a letter along with its copy to the FTC. This forces the credit bureau to make the necessary updates on your file or remove the inaccurate negative information that is damaging your credit. You can file a legal case with the help of your attorney as per FCRA Section 623 of the fdcpa law.

You also have the provision to add a 100 word statement in your file in such situations when the credit bureaus are unwilling to update your file. Add a note for this account that reflects the inaccurate picture of your credit file.

You can also write letters to the collection agency that is reporting this account to the credit bureau. They are required to either validate the debt or remove the negative information from your file by contacting the credit bureau. Make sure that you have taken consultation from an attorney that specializes in the lawsuits of FDCPA and FCRA violations.

Please do keep up updated on this matter.

Regards
Roxette

I disputed it online, and they sent me a new credit report showing some things had been deleted but not this problem. So you think I need to send them a letter in the mail? What kind of letter?
Thanks
RM in Indiana

Send this letter to dispute the item you consider is inaccurate

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 requires urgent verification. This credit report does not accurately reflect my true credit history and is detrimental to me.

Credit Report Date:

The following item is disputed: 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