Ok, Got My Credit Reports, Sendin first letter Is This Correct

Paul88 · #1 08-29-2005, 06:10 PM

Now, is the the correct letter to sent. This will be my first letter i am sending to them. It's the same thing for the rest 3

TRANS UNION
P.O. BOX 2000
CHESTER, PA 19022

Subject: Certified Verification of report number 14463541

To whom it may concern,

Thank you, for your immediate response to the inquiry requested, great service! In reference to your correspondence dated August 23, 2005 and bureau report file number 142486331, the following items must be verified for legitimacy and accuracy for your organization’s protection and for my person’s commercial well being.

Alleged Creditor Alleged account/reference/file number

ANDERSON FINANCIAL NETWO 25301794
CITIBANK NA 15962020
NCO FINNANCIAL 58789
NJ HIGHED EDUCATION 15962
PROVIDIAN FINANCIAL 1554509458
ROCKY MOUNTAIN RECOVER 583

To remain in honor, the previous items listed must have certified verification before a dispute can occur. In my previous years, upon my own investigation of those items listed, I have not been successful in my attempts to get clarification or certified verification of the alleged debts from the alleged creditors in order to satisfy or dispute the alleged debts. It is impossible to dispute an alleged debt without certified verification and to do so would be admitting that the alleged debts are valid without any verification on your part, since your organization is reporting this information to requesters with or without my consent. Accurate and legitimate information is in accordance with USC 15, chapter 41, subchapter III, section 1681e, 1681g, 1681i, 1681n, 1681o, and 1681s.

Sincerely with honor,

XXXXXXX

D.Dog · #2 09-01-2005, 07:05 AM

Looks good,
I sent a very similar letter to all 3 CRAs.
it has only been 2 weeks though. They have 30 days to reply.
I will ley ya know how it went.

D.dog

Paul88 · #3 10-15-2005, 02:59 PM

Ok,

I recived responses from the CRAs.

First off, Equifax was the most cooperative.

Equifax
They have deleted all inquiries, and 2 out of 4 reports.

Alleged Creditor Alleged account/reference/file number

AFNI, INC CINGULAR-200530XXXX Verified as reported correctly
CITIBANK N A 2343462XXXX Verified as reported correctly
NCO FIN/22 NCO ASSIG-234XXXX DELETED
NJ HIGHER EDUCATION 1253XXXX DELETED

Experian
1 deleted and 3 updated and 1 no change and 1 remains.

Alleged Creditor Alleged account/reference/file number

AFNI, INC. 30023211794 No change (meets requirements of the FCRA)
CITIBANK NA 234346XXX UPDATED Claim filed with government
NCO FIN/99 234XXX DELETED
STATE OF NJ H ED 14594XXX UPDATED Claim filed with gov/NEVER LATE
PROVIDIAN FIN 234953 REMAINS Transferred account charged of.
ROCKY MOUNTAIN RECOVER 23634 UPDATED In collections

TransUnion
Only one deleted.
Alleged Creditor Alleged account/reference/file number

ANDERSON FINANCIAL NETWO 3243569794 New information / In collection.
AMERICAN TRUCKERS LEGAL 10XXXXNew information/Collection account
CITIBANK NA 234346XXXX New information / In collection
NCO FINANCIAL 234XXX Verified, No change
NJ HIGH EDUCATION 1253XXXX Verified, No change Charged off as bad debt
PROVIDIAN 234953450009445 Verified, No change Charged off as bad debt
SUPERIOR CT CLERK OFFICE DOCKET#23000202571 Deleted

As you see my credit report shows different things on each of them. My Equifax has only 4 inquires where Trans Union has 7!!! Why is that? Isn’t there a new law that makes all of them match each other? What should my next steps be?

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