I have disputed with Equifax my name being listed on a loan for which I did not sign. I was on the associated checking account therefore listed as a co borrower but was added to the checking and loan well after both were opened. That being said, Equifax has removed the item from my credit report. I then disputed with TransUnion and Experian online and received a confirmation that the account was correct. I now realize that the options given to dispute an account were to broad and did not fit my situation. I then mailed a copy of the Equifax decision and a detailed dispute to both credit bureaus and have not heard a thing back from either, its been over a month. I also have requested from the creditor a signed copy of the loan documents proving my responsibility and have heard nothing from them either. Now what?
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I am going through the same thing Did you send a letter of debt validation and was it sent cert mail and did you get the confirmation that they received it The creditor has 30 days to send out the paper work to your home address .
Disputed an innacurate account
Welcome to the forums!!!
You should again dispute with the credit bureaus in writing. Follow this link, I hope it will help you to write a proper dispute letter:
http://www.creditmagic.org/repair/dispute-letter.html
Did you actually ask for a debt validation?