Okay I am a little stuck at the fork in the road. Here it is:
Okay after a long process here is what happened:
(1) I did a 1-2 Punch by Sending a DV lettter to AFNI (CA) and then disputed a Verizon Account as No knowledge with the CA's. On June 29th, I received a letter from AFNI showing the balance of my last bill of $126.00 from 1/2005. Two days ago, I received a letter from Equifax (dated July 1st) stating that "they verified that the account is being reported correctly. If I have any document that release me from this obligation, please forward a copy to them". Now today I received a letter from AFNI stating the following: "AFNI is investigating your dispute related to the above account and AFNI has informed the credit reporting agencies that the account is disputed. The final resolution of the disputed account has been delayed due to the insufficient information provided. AFNI request additional informaton so that we may conclude the investigatoin. We will complete our investigation within 30 days of receipt of the following information": (1) The specific information being disputed, (2)An explanation of the basis of your dispute, (3)A valid phone number to contct you, (4)All Supporting documentation to substantiate your claim: (ex: Photocopy of your drivers license, proof of residency at the time of service, receipts, etc)
Experian investigation for the same account came back: "Reviewed" The page shows reviewed means the following: "The item was either updated or deleted; Read this report to learn it's outcome. When I turn over to the back page, 2 other accounts that I disputed were listed with the results but nothing shows anything for AFNI on this one.
So I am confused: Did Experian really delete the account? Also it sems as if Equifax verified such information but then days later I receive a leeter from teh CA stating that they investigstion was never comlpeted. Any suggestions
Any information will be greatly appreciated
 |