Hiii, after first round of disputes to debt collectors. Some of them only sent bill statements and another one requested information from me to validate debt. Can I send same debt validation letter to credit bureus? Also is it possible to dispute a charge of that Im currently paying for? Hope someone could answer Thank you

Hi everyone! I've been following Melanie on social media and I just loved the way she explained a lot of things and was transparent! I decided to join the group cause I want to learn more about credit and purchase a home mid next year. I have 3 medical collections and 2 late payments that I'm hoping to be able to remove. Wish me luck!

When a credit bureau says an account was “verified,” most people stop. But under the FCRA, “verified” does NOT mean they proved anything. It usually means the furnisher responded electronically with “yes, this is correct.” Here’s exactly what to do next if you want to push for a deletion: 1. Immediately request the Method of Verification (MOV) Under FCRA §611(a)(6) and §611(a)(7), you have the right to know: - How they verified the account - What procedure was used - Who they contacted - Whether actual documentation was reviewed Send a letter requesting a full description of their verification method. This forces accountability and exposes weak investigations. 2. Pull all 3 updated reports and compare every detail After receiving your investigation results, check your new reports for: - Date of first delinquency - Date opened - Date last active - Balance reporting - Payment history accuracy - Status (open, closed, charged off, etc.) - Differences between Experian, Equifax, and TransUnion Any mismatch or inaccurate detail becomes a new dispute angle. 3. Send a new dispute focusing on ONE specific inaccuracy Under FCRA §607(b), the bureaus must ensure maximum possible accuracy.If even ONE detail cannot be verified, the entire account may need to be deleted. Examples of detailed angles to dispute: - Wrong payment history for a specific month - Incorrect date of first delinquency - Balance not matching original creditor’s records - Creditor name or account number reported inconsistently - Status not updating correctly Targeting one flaw makes it harder for them to verify. 4. If it’s a collection, demand validation directly from the collector. Under the FDCPA (15 U.S.C. §1692g), you can request: - Proof they own the debt - Proof of the amount - A copy of the original agreement - Evidence that you are the correct consumer If they cannot validate, they should not be reporting it. This strengthens your case for deletion with the bureaus.

Midland , NCA and NCS did not respond to debt validation letters so how can I address letters to credit bureus? Also Unifin and ARS did not respond to debt validation requested and continued to send text messages even during 30 days of request.They are not on my credit though. Last Citibank was charged off but never transfered to collections so do you recommend for me to dispute it? Chase was charged off too and I paid them so do you recommend for me to dispute too?