Please review my letter to Experian for charge offs

[dolphinfan41]

December 16, 2010

Name
Street
Address

SS# XXXXXXXXX
DOB XXXXXX

Experian
P.O. Box 2002
Allen, TX 75013

Attention: Consumer Relations
I recently obtained a copy of my credit report ( #XXXXXXXX) from your service and have found the following items to be in error:

CitiBank NA #XXXXXXX: The Open Date is incorrect. Please delete this account.

CitiBank NA #XXXXXXX: The Past Due amount is incorrect. Please delete this account.

CitiBank NA #XXXXXXX: The Past Due amount is incorrect. Please delete this account.

CitiBank NA #XXXXXXX: The Open Date is incorrect. Please delete this account.

CitiBank NA #XXXXXXX: The Past Due amount is incorrect. Please delete this account.

CitiBank NA #XXXXXXX: The Past Due amount is incorrect. Please delete this account.

CitiBank NA #XXXXXXX: The Open Date is incorrect. Please delete this account.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted off my report.

Thank you for your prompt attention in this matter.

Sincerely,

[dolphinfan41]

All of these Student loans are closed Charge Offs from 2006. They were sold to a guarantor, then rehabbed and deleted. The date of last activity is 2007. (They were verified in April 2010) They are scheduled to stay on my report until late 2012.

Is it worth sending this letter?

I also plan on sending a 623 letter to CitiBank since the cust. rep I talked to verified they have no info on the account.

[JeremyKean]

Looks very good to me. You keep this up I may have to hire you! LOL

[dolphinfan41]

Originally Posted by JeremyKean

Looks very good to me. You keep this up I may have to hire you! LOL

Is it ok to send them all on one letter, or should I split them up into 2 or 3 letters?

[JeremyKean]

ok for one letter

[dolphinfan41]

Ok, I will send this out today. I am jus worried because the last time I talked to Experian they refused to do any disputes over the phone for these accounts unless I have new info in writing?

I was under the assumption they were obligated to re-investigate any dispute.

[JeremyKean]

they are. Send it certified for a little more umph.

[dolphinfan41]

Should I just stick with letter, or break it up into 2 letters?

Also should I use just 1 dispute reason per account or use 2?