2disputes came back today

[jjgross]

Trish
This is what i got from Cap 1
1.Changed pay status to payment/after collection.
2.Listed bk 7.
This is from hsbc.
1.account in dispute the only change.
2.Still reports bk7.
Now cap 1 is still wrong but its showing paid,even though its wrong.So i think i'll redispute.Hsbc i think i'll think what i want to do since they just gave me another credit card!Any suggestions.

[Trish]

And so the hsbc one didn't change? Did they say it was verified?
What exactly did you dispute on that one?

[jjgross]

Originally Posted by Trish

And so the hsbc one didn't change? Did they say it was verified?
What exactly did you dispute on that one?

I disputed the high balance and it came back the same as before except its listed now as in dispute.At least cap1 one change it to paid collection i was wondering do you think i should leave it alone for now?it is saying paying after collection.

[Trish]

If the high balance is correct, then you may need to dispute for a different reason if you are trying to get it removed.

The crap1 is the one that I'm curious about. I would think it's reporting incorrectly because you can't have "payment after collection" when it's an IIB account.

How many times have you disputed the Crap1 acct?

[jjgross]

Originally Posted by Trish

If the high balance is correct, then you may need to dispute for a different reason if you are trying to get it removed.

The crap1 is the one that I'm curious about. I would think it's reporting incorrectly because you can't have "payment after collection" when it's an IIB account.

How many times have you disputed the Crap1 acct?

I had three different accounts I've disputed all three this one twice they have all came back different.I thought after IIB they had to be marked paid on the pay status.they all went bad the same month 07/23/07 on the day i filed bk.for awhile they all reported the same after the disputes their all different.I'm starting to think they are fubar are I'm nutsThe status says* payment after chargeoff/collection*

[Trish]

So if you have already disputed this crap1 account twice and they still aren't reporting it correctly. Send Crap1 a debt verification letter. Now you will have to modify it for you....I haven't read that letter in a while but you may need to reword some things since it's an IIB acct. But either way.....go to them now and KEEP GOOD RECORDS.......because if they ignore you, your next step is to file a complaint with the OCC. They are in violation of the BK courts.

[jjgross]

Originally Posted by Trish

So if you have already disputed this crap1 account twice and they still aren't reporting it correctly. Send Crap1 a debt verification letter. Now you will have to modify it for you....I haven't read that letter in a while but you may need to reword some things since it's an IIB acct. But either way.....go to them now and KEEP GOOD RECORDS.......because if they ignore you, your next step is to file a complaint with the OCC. They are in violation of the BK courts.

Thanks trish now i need to sit and think about how i want to word it.

[jjgross]

Originally Posted by jjgross

Thanks trish now i need to sit and think about how i want to word it.

trish here's my draft.

acc#
cmrrr#

Dear Butt sniffs

You are inaccurately and incompletely furnishing information regarding the above referenced account to the cra's in violation of requirements of the Fcra,Section 623,Responsibilities of furnishers of Information,and for which you are responsible.

You are also in violation of the U.S. Bankruptcy code,in reporting properly of an IIb account.If your are not able or willing to provide me with substantiating documentation that confirms the information you have furnished and are reporting,As verification to cure this violation with in the next 14 days,please have the information deleted from the credit reporting agencies you have given the information to.or do not respond to the next dispute.I have always been upfront with you any problems that came to my attention,I'm very upset that you could provide information that has caused an adverse effect on my life after a near terminal illness in my life.As of not i have not retain an attorney,I Will leave that option open,as i'm sure this can be handled in a professional manner without having to have the Bankruptcy court intercede.


thank you very much in advance
Arnold flute snoot

[Trish]

That letter is not bad. The main thing you need to do is go over it carefully for grammatical errors but other than that the letter looks good to me.

[jjgross]

Originally Posted by Trish

That letter is not bad. The main thing you need to do is go over it carefully for grammatical errors but other than that the letter looks good to me.

Yeah i seen some of them already still working on it i just don't want it to sound like a form letter so its a rough draft.Thanks Trish