Collection Agency Attempts to Validate Debt Unsuccessfully

I had initially sent a vaildation e-mail to Paragon Way, thinking they were not going to respond a couple weeks later I sent a validation letter certified mail. They responded first with a letter saying I owed them $$$$ on June 25th, then they followed that up with their "validation" which was nothing more than a computer printout of the account which was received on July 16, the very same day I sent a validation letter certified mail. When they are requested to validate they must validate this with the original creditor and verify that the person they are attempting to collect the debt from is the person that owes the debt. They did neither of these. I will wait until I get the receipt back from the certified letter and give them some time before I send a follow up letting them know that they did not in fact validate the debt.

On another note, I disputed some inquiries online with Equifax (CSC), as well as a Chase Manhattan account, and the original GEMB / Walmart account that is now being collected by LVNV. Sooooo, I also sent a validation e-mail to LVNV and a certified letter to LVNV concerning this account. I currently have a lot of disputes in progress, think it is time to sit back and wait for some of these things to unfold before I act anymore. Besides that everything left is pretty much still within Statute of Limitations and I don't want to awaken any sleeping giants.

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Equifax Dispute Results - Two Negative Listings Deleted

Got my dispute results from Equifax, results were the removal of West Asset and Pro Collect. I'll take it. In case you are wondering why I am only disputing a few items at a time with the credit reporting agencies instead of all at once, well if you dispute too many items at once they will put a fraud alert on your report, plus it is easier to keep track of.

I sent out a "Goodwill" letter today to my credit union with a sob story in hopes that they will remove some late payments from my report.

I also continued with adding more disputes with the Credit Reporting Agencies. I disputed an account from DSRM National Bank (Valero) in which they had me listed as an Authorized User on TransUnion and Equifax. It is illegal to report a negative item in which you did not obtain the credit. I did not ever obtain this credit, it was probably my ex-wife and she had me listed as an authorized user. I disputed an account with LVNV for a GEMB / Walmart card, never recall opening this one, this is only listed on TransUnion, in fact the GEMB / Walmart account shows as a positive on my Experian report so I will leave that one alone. Off to write some letters.

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TransUnion and Experian Dispute Results - Several Negative Accounts Deleted

I got the results from my Transunion and Experian disputes, still waiting for Equifax (CSC). The following were the results:

• CACV and Paragon Way verified with the credit reporting agencies
• Washington Mutual removed two late payments showing on TU
• Pro Collect deleted from TU and EX
• Countrywide Mortgage removed two late payments from TU and EX
• Capital One changed the status to "Account closed at consumer request" TU and EX
• Chase duplicate TL deleted from EX
• Citibank deleted from TU and EX
• Premium Asset Recovery deleted from EX
• West Asset Management deleted from EX

Official FICO scores are as follows:
TU 572 EQ 529 EX 618

Please note that all other scores posted up until this time have been FAKO scores not FICO, I will be periodically checking my FICO scores every couple of months or so, otherwise they are FAKO scores.

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First Noticeable Credit Score Increase

Not sure what exactly happened, but I checked my credit scores today and all 3 increased.
TransUnion 589, Experian 566, Equifax 549. Now for the bad news, my disputes with the credit bureaus for the Paragon Way collections came back as verified. This is not all together bad news, but means they verified the TL with the credit bureaus. This could possibly open them up to a lawsuit. Those bastards are so cocky that they sent me another collection letter, the debt is past the Statute of Limitations. Going to try something else with these folks and put some pressure on them to delete this account.

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