Collection Removal Help

[midnightember]

Hi. This is my first post here. Hoping for some information. I have some paid collections on all 3 reports. They are all my husband's collections. I have a statement from the CA that says they are an "individual" account that belong to my husband. My name is nowhere. Transunion has deleted them, EX has ignored me, and EQ has came back verified.

If I mail EQ a copy of the statement from the CA with my husband's name only, will they remove them? EQ told me today that the only thing they can do is report what the CA tells them to.

[Lian]

I would send a direct dispute under FCRA 623(a)(8) to the debt collector, and forget about the CRA.

Disputes sent thru a CRA rarely, due to their use of their automated e-Oscar system, result in their forwarding of your supporting documentation to the furnisher of the information. I doubt that the debt collector even saw your documentation when they responded to the CRA.

By filing a direct dispute, you are assured that the furnisher will receive ALL of the documentation in support of your dispute.

[J.A.]

Good idea to send communication to the collector, but often times they don't respond right away or at all. So since your communication is being sent certified, you'll know how long it takes for their response. If you don't get a response at all, then send a letter to the CRA's that reported the entry and let them know you sent information requesting documentation, and got nothing. That way the CRA's won't come back with "verified remains on report." Verified how, you never received any documentation from them. It will soon be deleted.

[Lian]

I am not referring to a general communication sent to the debt collector, but rather a formal direct dispute.

Direct disputes under section 623(a)(8) require a response from the furnisher of the information within the same period as provided the CRAs to complete disputes made through them. That is 30 days, in most cases.

They cannot just ignore the dispute or delay response.

If the furnisher fails to respond within the statutory period, redress is not to contact the CRA.

CRAs have no involvement in furnishers' compliance with the direct dispute process. The CRAs are not even involved in the process until such time as the furnisher reports any necessary correction or deletion to them, and even then, they have no knowledge that such reporting was the result of a direct dispute initiated by the consumer.

The CRAs have no re-investigative rights unless a dispute is filed through them, and wont delete on their own based on an assertion of proceedings they are not even involved in.