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Disputed Item Deleted...help!Disputed Item Deleted...help!
MOMISNUTZ said: "I did a dispute on an item on my credit report via Equifax. Equifax sent a letter that stated the results of the investigation we the item was deleted. That was 1/2006, now it's back again. How can I get them to delete it again? :mad:"
TScott said: "[QUOTE=MOMISNUTZ]I did a dispute on an item on my credit report via Equifax. Equifax sent a letter that stated the results of the investigation we the item was deleted. That was 1/2006, now it's back again. How can I get them to delete it again? :mad:[/QUOTE]
Did they inform you that it was going to be reinserted?"
94B10 said: "Did they give you something in writing stating they were going to do that of not. This topic was discussed today on this link. See if this helps you any.
[url]www.credit-repair-forums.com/thread1905.html[/url]"
MichaelG said: "Per the FCRA:
The CRA must write you within 5 days that they are reinserting previously deleted item if the furnisher of the information "certified" to the accuracy of the item. They must also provide you with the name, address and phone number of the OC or CA that certified the accuracy of the information."
Curt said: "Dispute the item again, and ask them to validate that the debt is actually yours. Send the dispute letter by certified mail.
In order to validate the debt they either need a signed judgement, or a presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. A copy of the original contract is not sufficient to validate the debt.
It is very unlikely that they will properly validate the debt. They will probably send something which is not legal validation.
They will have 30 days from the date they recieved your dispute. If you receive one of these wrongful validation letters, wait until there are only 10 days left on the original 30 days, and send them another certified letter stating: Your alleged validation is not sufficient to show that I am a debtor to that creditor.
They will have insufficient time to check it out, and they must remove it from your file. The Fair Debt Collections Act is on your side in this.
Curt
[url]www.secrets-of-the-credit-industry.com[/url]"
MichaelG said: "To those that click the link to this sales letter should be aware that it is a serious crime for someone to report identity theft unless... your identity has truly been stolen AND used by someone to establish/attempt to establish credit in your name, AND you have actually filed a police report.
I say this because one of the bullet points in the letter seems to indicate that you can simply"report identity theft" as a method to remove negative credit and that sounds misleading if not dangerously illegal.
Curt, please explain this if you don't mind, especially since you're attempting to sell something on a forum which offers free advice."