No longer on file?

[Trish]

Um.....huh?
This is a first. I disputed a TL as obsolete with TU and the results were "No longer on file"........has anyone ever gotten this message? :confused:

I assumed that meant it would be removed. But here it is a week later and the TL is still on my reports.
I was going to start another dispute but I'm considering calling up TU and asking them wth.

I was just curious to see if anyone has ever had this happen to them.

[jjgross]

Originally Posted by Trish

Um.....huh?
This is a first. I disputed a TL as obsolete with TU and the results were "No longer on file"........has anyone ever gotten this message? :confused:

I assumed that meant it would be removed. But here it is a week later and the TL is still on my reports.
I was going to start another dispute but I'm considering calling up TU and asking them wth.

I was just curious to see if anyone has ever had this happen to them.

Trish the cra's are just getting weird with their reporting as the school systems fail the student by just passing them along it is very hard for them to understand any disputes.They report on somethings that are incorrect just by looking at it.So why doe's a cra take the word of a creditor and we have to jump through hoops to get it fixed?Sorry about my rant.I still think their boot licking lackeys and a bunch of butt sniffers.:D

[scorch]

One time I 1 2 punched a CA and got a letter from each CRA saying that the disputed item is currently not being reported and it wasn't showing up on the new CRs that they sent me. It was kind of weird because the CA actually validated the debt to me, but never tried to get a hold of me.

[Trish]

UGH. It's just frustrating. I went in circles with TU about this.

Her explanation: The debt wasn't there when they tried to investigate it. But now it's there again. Whaaaaa? :confused:
I told her that just doesn't make sense. So she asked me if I wanted to dispute it again. I said "um......no, I want it deleted"....."it doesn't sound like anything was even investigated."

So then she verified my address......and then told me she would enter that I wanted to dispute the TL again. THEN she tells me I need to send in proof of my address. I asked why......because she just verified it. In her VERY broken english, she tells me "we have street instead of drive".......I said "no you don't......we just went over that. I'm looking at my TU file online right now and the address is correct here" She said "well, ma'am, the address we have here is not the same" I got so frustrated I just said whatever and hung up.

Now that's 20 minutes of my life I'll never get back. OY. Where do they find these people? :confused:

[jjgross]

Originally Posted by Trish

UGH. It's just frustrating. I went in circles with TU about this.

Her explanation: The debt wasn't there when they tried to investigate it. But now it's there again. Whaaaaa? :confused:
I told her that just doesn't make sense. So she asked me if I wanted to dispute it again. I said "um......no, I want it deleted"....."it doesn't sound like anything was even investigated."

So then she verified my address......and then told me she would enter that I wanted to dispute the TL again. THEN she tells me I need to send in proof of my address. I asked why......because she just verified it. In her VERY broken english, she tells me "we have street instead of drive".......I said "no you don't......we just went over that. I'm looking at my TU file online right now and the address is correct here" She said "well, ma'am, the address we have here is not the same" I got so frustrated I just said whatever and hung up.

Now that's 20 minutes of my life I'll never get back. OY. Where do they find these people? :confused:

Welcome to India.The home of bombay bob and calcutta liz.Now here's a question?Just got an dispute back as updated
1.Charge off/never late.
2.transferred to another lender,whom i've never heard from.
3.bk filed oct 23 2006.Filed july 23 2007 discharged dec 2007.mistake
4.Should i just leave it alone,it doesn't make sense the way it's reported.:eek:

[mountaindews]

Hey Trish I just got my TU report back too. It had one TL that said the same as yours, "no longer on file." BUT when I checked my CR it was still on there. What ever came of yours?

[Trish]

Originally Posted by mountaindews

Hey Trish I just got my TU report back too. It had one TL that said the same as yours, "no longer on file." BUT when I checked my CR it was still on there. What ever came of yours?

I ended up calling the CA (that didn't go so well....lol) and then filing complaints. I ended up getting a delete thanks to the BBB.

Sorry......not sure if that helps you any.


Try calling the CRA and ask them why. See what they say.......hopefully you'll have better luck than me.

[jjgross]

Originally Posted by Trish

I ended up calling the CA (that didn't go so well....lol) and then filing complaints. I ended up getting a delete thanks to the BBB.

Sorry......not sure if that helps you any.


Try calling the CRA and ask them why. See what they say.......hopefully you'll have better luck than me.

Trish quick ? I was going through my cr.2 of my cap 1's were reported same day of bk 7 filing now that seems odd unless they were told what day it was going to be filed.it was reported as charge off account transfered.I believe that's an ;llegal charge off.and one is now reported as charge off no activy account closed(no activy) i don't believe it can be both?the one is reported as del inc in bankruptcy.How can i answer these.:eek:

[Trish]

Originally Posted by jjgross

Trish quick ? I was going through my cr.2 of my cap 1's were reported same day of bk 7 filing now that seems odd unless they were told what day it was going to be filed.it was reported as charge off account transfered.I believe that's an ;llegal charge off.and one is now reported as charge off no activy account closed(no activy) i don't believe it can be both?the one is reported as del inc in bankruptcy.How can i answer these.:eek:

UGH......sounds like Crap 1 is at fault here.
If you can, check with your BK atty. If it were me, I think I would file a complaint with the VASCC.

Virginia SCC - Bureau of Financial Institutions - Complaint

That was the ONLY way I was able to get Crap 1 off of my Dh's reports.

[jjgross]

Originally Posted by Trish

UGH......sounds like Crap 1 is at fault here.
If you can, check with your BK atty. If it were me, I think I would file a complaint with the VASCC.

Virginia SCC - Bureau of Financial Institutions - Complaint

That was the ONLY way I was able to get Crap 1 off of my Dh's reports.

Trish i live in idaho can i use that i went to that site but cap 1 is not listed