Has anyone had experience with sham investigations from the credit bureaus regarding a disputed Tradeline in which the furnisher has had multiple debt validation and verification letters sent yet has not responded?
Then submitted a direct dispute with the CRA's, to then be told the accounts have been "certified" by the furnisher as accurate, and tell you to reach out to the furnisher?
Community · questions
Need recommendation regarding sham CRA investigations
sean · April 15, 2026
2 replies
brian · April 20, 2026
If you are correct that you have stuff on your credit that is false and inaccurate, you have a case under the FCRA for removal and damages.
sean · April 20, 2026
Hi Brian, I also have a CFPB complaint in which the same debt collector responded, completely ignoring the attachments, which included copies of my consumer letters, including a direct cease-and-desist, usps confirmation that they had received them over 30+ days prior to my CFPB complaint, and the same company using the response portion of the CFPB to attempt to collect.
Portion of their CFPB Response (exact words):
"We understand life can bring unexpected financial challenges, and that is why we are willing to work with the customer to resolve their account in a mutually beneficial way. To stop further escalation, our Accounting Department has approved the following options for resolution: ○ Lump sum settlement in the amount of $3,142.22 if paid on or before 04/22/26 with a credit or debit card on file. ○ Make 12 zero interest monthly payments in the amount of $290.94 on the full balance of $3,491.36 beginning on 4/22/26 with a credit card on file. Once the final payment is received, we will update the mark from Equifax, Experian, and TransUnion credit reporting agencies."
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The people posting here are using the same tools you would be, on cases like this one.