Also, is the original dispute letter I sent to Experian.....
This is the first time I've disputed something and not received a response on-time. That's why I posted the follow-up dispute letter too. I'm sure I'm being paranoid about how they might respond since they're late in doing so. I'll be so mad if some stupid detail was left out or written in either of the letters; My luck is that it would be something that causes a problem that results in me having to begin my dispute claim over. I dont want to give them a second chance since they would then be ready to respond when I disputed again.
ok, i am being paranoid about making sure everything's perfect. i just want to make sure I get those items off since they are totally inaccurate and invalid. Here's the original dispute letter.; Please reply after reading it and let me know if you see something that might cause a problem/needs to be taken out. It does make sense, right? Here's the template I constructed and mailed first:
Thanks,
Daniel
Name
Street Address
City, State, Zip
Date:
Name of Credit Reporting Bureau:
Address
City, State, Zip
Dear Sir or Madam:
I am writing for two (2) reasons:
1. To dispute certain information in my credit file;
AND
2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion.The item(s) I dispute are encircled on the attached copy of the credit report and further identified by (identify the items by name of source, such as creditor or tax court, etc. and identify type of item, such as credit account, judgment, etc.)This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why).
I am requesting that the item be deleted (or whatever specific change you are requesting) to correct the information.
Enclosed are copies of the following documents supporting my position:
1.
2.
3.
Please reinvestigate this (these) matter(s) and (delete or correct) the disputed items within the time frame required by the Fair Credit Reporting Act (FCRA) and inform me in writing of the outcome. Thank you for your time and consideration in this matter.
Sincerely,
________________________
(Signature)
Your Full Legal Name
Daniel When you will frame the letter in writing, omit the li
Daniel
When you will frame the letter in writing, omit the lines that are in brackets. Fill up those with your specific situation.
The bureau has to give you the results of the investigation done. If they fail to do so, you can send a copy of it to the FTC. If you still don't hear from them, add a 100 word statement in your file.
It is your credit file that should show your financial worthiness accurately. Since the file is not displayed properly, you are taking the actions properly. Do keep us updated on this matter.
A couple years ago I got my credit report from TransUnion and la
A couple years ago I got my credit report from TransUnion and later Equifax. There was a debt from the same collector on both for same account number and balance. When I disputed the balance with TransUnion, they send me a letter saying the debt was invalid and would be removed from my credit report. However, Experian said it was valid. How could the two credit agencies come up with different verdicts on the same account dispute?
scpalmer5 It is entirely upon the creditor or collector to up
scpalmer5
It is entirely upon the creditor or collector to update your information with the bureau. They need to necessarily do it with one at least. Updating with the other two is their choice. The CRAs share information internally.
Have you received the updated copy after placing your dispute with TransUnion? Show that to Experian and get the account removed. Usually, the CRA is required to give you the results of the investigations done. If they have not altered any of the info, send them your proof and force them to do the update. If CRA intends to keep negative information in your file after showing them proof of your dispute, legal actions can be taken and sue them up to the extent of damages caused.
