credit dispute oddity?

Question

I filed for disputes on all 3 CRA,however I received a letters from all 3 stating that they received my request for identity theft and has placed some 90 day fraud alert on them.I never reported my identity as being stolen,just wanted to clear a simple medical dispute that should have been covered by my insurance company.

Is this common to receive these letters during disputes or is that their way of extending a dispute or something else?

Answer 1

Sounds like they didn't get the gist of your letter. I'd write them again. Send a new letter explaining the situation. Send them a copy of the letter THEY sent you (so they'll know) and ask them to remove the fraud alert. {on a side note, some people think that the stolen ID flag is a good thing, but it makes it SUPER hard for you to apply for credit in your own name. you have to practically jump through hoops of fire to prove that you are you. it's a headache that you don't want, so ask them to reverse that}.
All right. I think you're requesting the wrong thing from the wrong people. The credit bureaus are not able to do any research for your accounts. They only report what was told to them by other sources. They are not going to be able to resolve your medical bill issue. Contact your insurance company (of the doctor's office/hospital, whatever the case may be) and ask them to research the issue. Once they resubmit the claim and resolve the issue, ask for a letter or a receipt stating that the account was placed on your report erroneously. Send a copy of THAT to the CRAs and then they will be able to update your report.
I hope that helps!

Answer 2

You didnt use the correct language in your letters. Credit repair is a difficult art. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.

Answer 3

You might want to contact them again in writing with a much more detailed and clear explanation. It would appear that all three think that you are reporting an identity theft, and you probably got the same computer generated letter from all three.

Be persistent until you get a clear response.