Accounts verified, what letter next?

[grn910]

OK, This is whats going on now. As a recap,(mainly for me b/c I can barely keep it straight). 1 letter sent disputing Judgements 1 & 2, Meds w/CA 1 & 2, & Obsolete 1. All disputed as no knowledge of this acct w/ this date, at this court, for this amt, etc. No other info was given. 1 Letter sent out 3/16/09 CM to EXP & TU. EXP rec'd it on 3/24/09 & TU rec'd it on 3/23/09.

On 4/4/09 I got the BS letter from EXP - these are already verified.. check w/ OC, blah, blah, blah. But only Judgments 1 & 2, & Meds w/ CA 1 was listed.

Sent the letter to the courts - got back 2 print-outs of my judgments which are Judgment 2 & 3. Judgement 3 is no where on my CR & judgement 1 is nowhere in public records.

Got a letter from TU saying all 4 of the accts I disputed are updated & the obsolete one was deleted.

I compared CRs & the amts were changed on the judgments, cant find anything different on the Medical accts.

Got another letter from EXP saying the obsolete one was deleted & the 2nd medical 1 was being reviewed. the letter was dated 4/23/09. it directs me to experian.com/disputes to find out results of the acct being reviewed. This page (& i printed it out) says Investigation status as updated. I only noticed the dates filed are more current.

Ok, Im sending the courts another letter being more specific about what I need. Is it possible to use someone elses letter? Like if someone from my state wrote the same court that has my records & rec'd a letter stating they dont verify w/ CRA's can it be used by anyone or does each person have to get their own response?

I think thats it. Sorry if its confusing . Ok so what letter do I send now? Can I send a letter to the CRA's asking how they verified the judgements & a DV to the CA of the 2 medical bills at the same time? Some of these medical bills are so old or arent mine but the dates are so current.



I have 4 other medical accts in collections on my CR from 2002 or before & thats it. Thank You , Thank You , Thank You l

[Trish]

Ok...yes, it is a bit confusing.

Let's start with the judgments.....
You sent a dispute and the 2 judgments that are reporting were verified, correct?
Then yes, now you need to send the CRAs the PR letter in the guide to disputing judgments thread. While you are waiting on those results, keep trying to get a decent answer from the courts.
You really need to try and get them to admit that they do not report to the CRAs.........and if they say that they don't verify.......even better.


Now for the medical accts. Ok those came back verified too? Did you use a regular dispute letter? or did you use the medical dispute letter from the HIPAA thread?
If not, you should do that. Start with the medical dispute letter. I would not deal or correspond with the CA AT ALL.

BUT you should really only be sending out one letter at a time.... Do the PR letter first for the judgments. Then once you get a response on that letter.......then move on to the medical.

Did you file FTC complaints on the accts that were never even addressed?