Author Topic: JDB reporting to Credit Reporting Agency.  (Read 1468 times)

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KNINE

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Re: JDB reporting to Credit Reporting Agency.
« Reply #15 on: May 11, 2012 10:56:40 PM »
I did dispute it. Not as obsolute, as not mine. I didn't know what it was because the JDB used a different account number. The CR came back and said it was validated. I am on my second dispute.

NotBonJovi

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Re: JDB reporting to Credit Reporting Agency.
« Reply #16 on: May 11, 2012 11:45:57 PM »
So, here's your options:

1.  Dispute again....and again....and again, holding out hope something gives.

2.  Sue.

In other words, you can continue to spin your wheels or enforce your rights.
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KNINE

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Re: JDB reporting to Credit Reporting Agency.
« Reply #17 on: May 12, 2012 12:21:47 PM »
Does a 623 have to be with the OC? Or is it anyone who is furnishing information to a CRA?

KFMAN

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Re: JDB reporting to Credit Reporting Agency.
« Reply #18 on: May 15, 2012 07:13:19 PM »
Being SOL doesn't mean it can't still be reported.  It can for 7-1/2 years after DOFD.

Remember, too, that the FCRA is NOT a strict liability statute.  If you sue, and they correct it, your suit is..er...moot.
Don't you still have them on violations since they updated and reported inaccurate information?

How else could FCRA be a big issue?