| #41
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So i did receive a reply to my letter i sent to the CA. Here is what they replied. Please guide me as to what should i do now? Currently i dont have any supporting documentation. " Dear Mr. Ruparel, Our Office is in receipt of your letter requesting verification of the above-referenced account. Our client, South Texas Radiology, submitted this account to our office for collection on April 22, 2008. The date of service was September 28, 2007. This account has been updated as paid in full as of March 2, 2009, but an update has been send to the three national credit bureaus advising that you dispute the account. If you are disputing this account, please provide us with a detailed explanation to help us understand your situation. Any documentation supporting you dispute would be helpful. If you believe this account was opened fraudulently, please provide our office with: 1) your notarized identity theft affidavit, which may be obtained from the Federal Trade Commission or by calling 1-877-IDTHEFT (18774384338); 2) a copy of the filed police report; 3) a copy of your social security card and picture ID;and 4) proof of residence at the time of the identity theft (e.g.,a copy of your utility bill(electric gas) for that time period prior to disconnect date) You may also want to contact the fraud assistance departments with the three national credit bureaus. Their telephone numbers are as follows: TransUnion (18006807289); Experian (18883973742); Equifax (18005256285). Should you require any additional information, you may contact Credit Management, LP at 18003777723, or by mail at 4200 International Pkwy, Carrollton, TX 75007. Sincerely SP Brockett Collections Department" |
| #42
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By any chance, did you dispute this with the CRAs at the same time? (1 2 punch?) I know you had disputed it before you sent the CAs a letter but was just wondering if you had disputed it again. If you didn't........dispute again. now. Do it by certified mail and then send the CA a DV2. You don't have to provide them with ANY info. They need to validate the debt........and they haven't done that yet. |
| #43
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You mean, dispute it to the CRA's by sending the same letter?
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| #44
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| Not sure what you're asking. When was the last time you disputed this acct with the CRAs? (in relation to the DV letter you sent the CA) Just trying to figure out a timeline as to when you disputed and then when you DV'd the CA. |
| #45
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So let me explain the sequence of disputes till date. First i disputed the CRA's through each of their online dispute feature ( experian and equifax). If i remember correctly this was done sometime in march, 2009. I received a reply from experian stating that the account is validated and it will remain on my credit report. I never received a reply from equifax. With the reply from experian i consulted you again and thats when you adviced me to send a DV to the CA. So i sent a DV (reviewed and approved by you) to the CA and received a reply from them two days ago asking for more documentation. So this is the sequence of disputes. What exactly should i do now?
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| #46
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I didnt receive a reply from you for my previous post. Wondering if i posted it right. so posting it again "So let me explain the sequence of disputes till date. First i disputed the CRA's through each of their online dispute feature ( experian and equifax). If i remember correctly this was done sometime in march, 2009. I received a reply from experian stating that the account is validated and it will remain on my credit report. I never received a reply from equifax. With the reply from experian i consulted you again and thats when you adviced me to send a DV to the CA. So i sent a DV (reviewed and approved by you) to the CA and received a reply from them two days ago asking for more documentation. So this is the sequence of disputes. What exactly should i do now?" Thank you |
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