Help Please! exp. what now?

jshusa · 09-08-2007, 04:25 PM

Need some help!

I CRRR exp on aug 15th on sept 3 recieved two letters from exp firts one dated aug 27th stated that they were investigating and would reply in 30-45 days, opened 2nd letter dated same, aug 27th stating:
We have already investigated this information and credit grantor has verified its accuracy.

I have not disputed info for over 4 yrs? all of the item listed on report were included in bk13 dischrged 06/07. what do I do now? Whats my next step? do I wait for the 30 days to expire than follow up?

thanks

hannah · 09-09-2007, 08:22 AM

Were you disputing from your free annual report?

jshusa · 09-09-2007, 03:56 PM

hannah · 09-12-2007, 02:59 PM

When you dispute from your free annual report, you give them 45 days. So you will need to wait 50 days (45 days + 5 days mailbox rule) for them to get back to you.

Were all the items listed IIB actually included in BK? Is the rest of the tradeline reporting correctly? There's a lot not said here so cannot be sure of what you do next.

jshusa · 09-16-2007, 07:00 PM

3 of them are tax lean's that have been paid and released - that are not reporting as so.

Experian

1.tax lien
Status: federal tax lien filed
this item verified sept 2004 and remain unchanged

2. tax lien
status: federal tax lien filed
this item verified sept 2004 and remain unchanged

3. tax lien
status: state lien filed
this item verified sept 2004 and remain unchanged

1. providian cc was IIB reporting as discharged through ch13 /current, was charge off.
account history: charge off as of jan 2002
collection as of jul 2001

2. so cal edison comp. IIB
Status: discharged through bk13/current, was charge off.
Account history:
Charge off as of jan 2002
collection as of jul 2001
debt included in chapter 13
this item verified on may 2003

TANSUNION

1. providian IIB
Pay Status:
payment after charge off/collection
Remarks: purchased by another lender

On report Dated 6/27/2007 states: Date verified: 10/2003
On report Dated 9/01/2077 States: Date Verfied : 07/2003
So they never investigated?

Equifax

1. Prvidian IIb
Current status: charge off
Additional info: account involved in ch 13 debt adjustment
Is this reporting correctly?

So wait 50 days on experian than send notice of intent to file complaint letter?

I have recieved response from eq and tu going to cccr 2nd letter

thanks jshusa

jlynn · 09-16-2007, 09:21 PM

[quote=jshusa;48633]3 of them are tax lean's that have been paid and released - that are not reporting as so.

Experian

1.tax lien
Status: federal tax lien filed
this item verified sept 2004 and remain unchanged

2. tax lien
status: federal tax lien filed
this item verified sept 2004 and remain unchanged

3. tax lien
status: state lien filed
this item verified sept 2004 and remain unchanged

Quote:

You need to get copy of the releases and send them to the CRAs. Its not unheard of that the taxing authorities either never filed them, or they weren't matched to the liens properly. Be sure they report the date released, as liens can be reported 7 years from date PAID - you don't want them to show released with a current date.

1. providian cc was IIB reporting as discharged through ch13 /current, was charge off.
account history: charge off as of jan 2002
collection as of jul 2001

We need to know date BK was filed, and date discharged to see if these are reporting correctly.

Quote:

1. providian IIB
Pay Status:
payment after charge off/collection
Remarks: purchased by another lender

On report Dated 6/27/2007 states: Date verified: 10/2003
On report Dated 9/01/2077 States: Date Verfied : 07/2003
So they never investigated?

This is not reporting correctly, as there is no reference to the BK. You might ask TU why there are verified date discrepancies along with restating your dispute - they will probably allow you to dispute without another argument.

Equifax

Quote:

1. Prvidian IIb
Current status: charge off
Additional info: account involved in ch 13 debt adjustment
Is this reporting correctly?

No - its not a charge off now. It was a charge off, and was paid thru the 13.

jshusa · 11-11-2007, 10:22 PM

Again recieved two letters from experian same day -
1) investigating 2) previously invtigated. disputed dates

13 bk filed 2003 discharged 2007

TU replies verified - disputed providian IIb c7 - never filed 7 still came back verified

eq providian verified 7/2003 original report stated 10/2003?

I'm not going to send them copy's of release of lien that will only verify that I had a lien. any other suggestions?

jshusa · 11-11-2007, 10:25 PM

Again recieved two letters from experian same day -
1) investigating 2) previously invtigated. disputed dates

They refuse to investigate! if they would they would find lien released.

13 bk filed 2003 discharged 2007

TU replies verified - disputed providian IIb c7 - never filed 7 still came back verified

eq providian verified 7/2003 original report stated 10/2003?

I'm not going to send them copy's of release of lien that will only verify that I had a lien. any other suggestions?

jlynn · 11-12-2007, 08:07 AM

Quote:

Originally Posted by jshusa

I'm not going to send them copy's of release of lien that will only verify that I had a lien. any other suggestions?

I'm now assuming that you didn't dispute them properly to start with, but rather disputed them as not mine.

If you disputed them as not mine in 03, and continue to say they aren't yours in 07, then they were previously investigated, determined to be yours and that's why they won't reinvestigate.

jshusa · 12-06-2007, 05:07 PM

I could have?

If so, dispute amount? date filed, closed?

What would be best plan or how would you approach it?

Thanks

Enigma · 12-07-2007, 12:28 AM

Ask for a procedural request. I would also contact the lien holder. It has been my experience that the CRA generally do not contact them even though they claim they did. If you can obtain a letter from the lien holder denying they were ever contacted by the CRA, you can use it as leverage to have it removed.