[plat1997]

I have three negative items that are left on my credit report and one from Sallie MAE, GMAC and Discover Card I have sent out three rounds of letter disputing that they are not mine and the CA verified them. But they are not mine. I need to know what to do next?? any help would greatly appreciated!

[spinn]

You have 3 items that are genuinely not yours?

Are you the victim of identity theft?

Verification by the CRAs is a joke, all they have to "verify" is your name and one other piece of information.

Has the CA sent you anything?

[CtrlAltDelete]

Agree with Spinn - if they are truely not yours, then file the ID Theft affidavid and supporting docs - who says a CA can't be committing ID theft?

[direred]

Originally Posted by plat1997

I have three negative items that are left on my credit report and one from Sallie MAE, GMAC and Discover Card I have sent out three rounds of letter disputing that they are not mine and the CA verified them. But they are not mine. I need to know what to do next?? any help would greatly appreciated!

Sallie Mae is not only an OC, but they are also a very common CA for student loans. Do you have any old student loans that weren't paid? There IS no SOL on federal student loans and a lot of people have been sideswiped by that.

[Qtip]

I had a late in SallyMae and have not been able to remove it. I tried everything under the sun to get it off. I hear about the only way to get anything removed from SallyMae is to dispute after the account is paid off with zero balance.

[Gib]

I would write letters of dispute to the data furnishers, then dispute with the CRAs again. If they come back verified then, you have a paper trail.

[roybean]

Write to the CRAs again and use the proper language:
Dear Dumb CRA:
I am requesting that you please provide me with a description of the procedure used to determine the accuracy and completeness of the information regarding such and such account including the business name and address or any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

I am assuming that you are reading this from the hard copy of your reports, correct? You may also want to copy the pages showing the false information and highlight it and send it with your dispute.

At the bottom of your dispute letter make sure to write:
Enclosure, copy of page 9 Experian report # XXXXXXXXX
Etc. etc. etc.

This way they can make no mistake about what you are disputing because you know they will dummy up on you, right?

Under the new provisions of FACTA, you may also dispute directly with the OC. Do everything by certified return receipt mail so that you have proof.